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so tada Im buying a house kind of a stick house get it anyway thats cool but what are all these costs Im just a stick figure I dont do high finance so I asked my brother you know the one that always had to be the banker when we played board games I said bro what the heck is title insurance do I need to pay it he said well hey Im just a stick figure tool but remember that board game okay look say youd saved all your money for one big move youre gonna buy this property you give her the cash and she gives you the title remember those little cards yeah yeah but two moves later after shes busted out of the game another player says she gave him title to that place in a secret agreement so he claims the title is his oh man did you just lose your house and your cash my bro said see this could happen with real property too like that house youre buying title legal ownership isnt always crystal clear missing records tax liens even divorces can result in legit claims to the title on your