I am not aware of any state that requires title insurance. Iowa is the only state run program I can think of and even they, I believe, don't rquire coverage.
The purchaser of real estate decides what level of protection they want to rely upon. If after having purchased property they find a lien or other problem and they don't have title insurance coverage, they must rely upon the seller to honor the warranties given in the deed.
Most sellers don't understand the warranties or refuse to honor them and so the purchaser must hire an attorney and attempt a legal settlement.
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