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What if your seller is a scam artist that tried to sell the property to more than one person?

Thats what i'm paying the title company to validate.

Lol, buddy, you need to work on your reading comprehension. The title company has NO WAY of knowing what your seller did moments before walking into the door. You obviously don't know how the public records doctrine works. Yes, the title company will review the records and have any problems fixed prior to closing, but the public records cannot possibly reflect what took place the morning of your closing. If the seller fricks around and gets a lien placed on their property WHILE YOU"RE SITTING IN THE CLOSING, then you're fricked without title insurance.

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The title company/attorney may have no way of knowing the seller had some shady notary execute a deed a few minutes before he came to the closing where you're buying.

Once again, i'm paying a professional attorney to handle this.

Please, explain to me how the attorney is supposed to know about this. Show your work. Is the attorney supposed to be following the seller for the entirety of the closing process?

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I would love to see your reaction if your doctor made you take out a policy before surgery incase the equipment fricked up and refused to work until you bought it to cover his arse.

The doctor carries his own malpractice insurance and I can assure you, the cost of that is passed onto patients. This is how any business works. Same as if you pay a contractor to build you a house, he's not buying all the materials for you for free. You're paying for every bit of cost it takes to get that task done.

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Yeah, we're covering their malpractice insurance in the price AND buying our own policy.

How can you not see how fricking retarded that is?

I've already explained it's not a malpractice policy. Can it cover an error by the attorney? Sure. One of many things.

All insurance is the same. If you think it's a scam, then don't get it. Roll the dice and see how it works out if something goes wrong.