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When it comes to buying a house, having title insurance is important. Your lender will require it, but it is optional for you as a buyer.
Homeowner's title insurance protects you from problems that could arise in the future. These problems include things like a long lost heir coming forward to try to claim the property as theirs, previous fraudulent activity coming to light, mistakes found on title work at a later date, etc.
Buying homeowner's title insurance is a one time fee that is paid at closing, so you don't need to worry about it being an added monthly expense.
You can read more about it at NerdWallet: https://www.nerdwallet.com/blog/mortgages/what-is-title-insurance-do-you-need-it/
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