The other replies are correct, but there are also subtler problems that title insurance can cover. One example I remember reading about was an old surveying err

The other replies are correct, but there are also subtler problems that title insurance can cover. One example I remember reading about was an old surveying error that resulted in an inlaw unit encroaching 6 inches on a neighbor's property. If such a problem is discovered, the insurance company might negotiate with the neighbor to purchase a perpetual easement or, failing that, pay to have the inlaw unit either moved or altered to correct the problem.