title insurance 是个什么东东？

stonebreaker

有人了解这保险吗？有必要在购房时买这个保险吗？

西澳海豚

What does a Title Insurance policy typically cover?
A typical home owner’s policy protects against the following risks – which commonly give rise to claims:

illegal building works / structures – Archicentre have reported that over 43% of properties in South Australia have illegal building works
incorrect signature of a document resulting in potential problems with the registration of the transfer
forgery, fraud, duress, incompetency, incapacity or impersonation prior to settlement
mortgage or title fraud after settlement e.g. a third party takes out a mortgage over the purchased property without the purchaser knowing
defective registration of a document
lack of rights of access or use of services
breach of covenants
boundary issues such as an encroachment by or on to the insured property

这个貌似从私人手中买房比较需要，从中介手中买的话，产权清楚和建物合法性是不是他们的责任捏？

待其他同学补充------------------------