I am a very strong believer in Title insurance, not only if you buying a new home.
Over the last years, fraud has become a increasingly a huge issue. Even so, you have done nothing wrong, suddenly a 2 nd mortgage appears on your title, and you can prove that it is not yours..............you will pay a lawyer to sort the problem out. Title insurance is much cheaper in that case. Talk to your lawyer.
You might never need ones you buy it.............peace of mind