Well, if you are paying cash for the property, that's an option, but I would advise against it.
Most mortgage lenders will require a loan policy and they expect you to pay for it.
In Pennsylvania, we are required to issue an owner policy in a purchase transaction unless you affirmatively say you do not want it. We are expected to assume that you DO want an owner title policy. Want to know why?
Because a whole heck of a lot of title insurance agents assumed consumers did NOT want an owner policy and those consumers who paid for a loan policy thought they were covered. Big surprise when they went to make a claim.
If you tell us you do NOT want an owner policy, there is a state mandated waiver form you MUST sign which acknowledges that you have ABSOLUTELY NO PROTECTION.