I was getting ready to debate you, but I'll admit that I'm mostly wrong about title insurance.

Special warranty deeds only cover the current seller, but title insurance can defend against prior ownership claims. I will note that just because title insurance guarantees they will defend against ownership claims, they don't guarantee it will be settled in a particular way. There's a theoretical possibility that an agreement can't be reached that keeps you in the house you thought you bought legally- like in this story the buyers got their money back but didn't keep the house that wasn't theirs https://www.thetitlereport.com/Articles/Title-Insurance-at-W...

I've read the terms of title insurance and no, you can't hold them liable if it turns out you don't get the property as intended. It's basically useless.