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Many homeowners ask why do I have to buy title insurance? Title insurance is very important as it guards the homeowner against claims to their clear title. When you purchase your new home it guards against previous liens and clouds on the title. In the days of abstracts, the owner could look back at the history of ownership. With the digital age, now just a simple title insurance policy is necessary to guard the title to your home. Many things to consider in the purchase of your new home but there are many safeguards to protect you.