Title insurance well, let's just say that I have mixed feelings. I did actually end up using mine, and it worked great and I avoided what I'm sure would have been a few thousand dollars in legal fees. The obnoxious part was that the title search did not find the mistake until the second time we had refinanced. The person we purchased the house from had bought it in foreclosure, and that foreclosure hadn't been processed correctly. So it took 4 times total and almost 15 years for the title search to finally notice the error. So very mixed feelings about the value of that fee...