Usually, unless the property throws up a red flag along the process as far as ownership, you are purchasing title insurance because it is really not necessary anymore.Just a thought as I don't know the answer to this question. Who is it that arranges the inspections and such? All of you who are saying that one doesn't need a realtor may be leading someone into a transaction where something gets overlooked.
As for "transacting" at a Title company, does one need to really research them to be sure of getting a good one?