Do I need an owner title insurance when buying a house?

[Pollyanna Gomez]

Hi guys,

I am buying a turn key property and title company asking me if I want to purchase a owner title insurance.

I do understand what owner title insurance protecting you from, but isn't it a title's company job to make sure there are no any clouds on the property? No other owners and the property is clean and ready to be conveyed?

So if yes, then in simple words I a buying this insurance to protect myself from title's company mistakes?

Another thing, If I am buying a turn key property, that means when turnkey company bought that property, they for sure already make sure there are no any liens on it, is that correct assumption?

Thank you