Title insurance is designed to protect you from claims made against the title of the home you’re purchasing. When you go to the closingtable, one of the items on the closing papers will be title insurance. Your lender will generally require it for their protection, but you want to have your own (homeowners) policy, as well. Then you can feel secure that your home is covered. Just like with other forms of insurance, title insurance is coverage that you hope to never need, but that you still want to have for safety.