What is the primary advantage of purchasing title insurance for a buyer?

The primary advantage of purchasing title insurance for a buyer is that it protects against potential title defects. Title insurance offers coverage for issues that may arise from past ownership of the property, such as liens, encumbrances, or claims against the title that were not discovered during the title search. These defects can lead to legal disputes or financial losses if not addressed.

By securing title insurance, the buyer can have peace of mind knowing that they are protected against unforeseen problems that could affect their ownership rights. If a legitimate claim is made against the title, the insurance policy can cover legal costs and compensate the buyer for any losses, ensuring that their investment in the property is secure.

The other options, while related to real estate transactions, do not accurately capture the primary benefit of title insurance. For example, title insurance does not guarantee the appreciation of property values or guarantee lower closing costs. Additionally, while some title companies may provide legal resources or support, title insurance itself does not inherently include representation in disputes, as its primary focus is on protecting against title defects.