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Mentor
95% might not use it but, the 5% that do it’s a life saver. One potential title issue and you’ve saved that 2400 and more.
Remember, your particular lot may not have any history but, the lot was likely split from a larger plot of land that could have title issues.
Personally, I’d get the insurance.
D1 is right-ish ...
Check what other homeowners in the same development have done, especially the ones living there the longest.
Mentor
Title insurance guarantees property lines too. If the fences are in the wrong place etc. that said in new construction your risk is pretty low.
I would demand it. If you’re getting a mortgage, your lender will likely demand it as well.
Right. My mistake. A simple survey should tell OP what he or she needs to know. I’m not particularly risk averse, but in this case, $2400 buys peace of mind. Though I do think title insurance is kind of a racket. But like most insurance, you don’t need it until you do. But then you often have to fight like hell to get covered. So it goes.