Do I still need title insurance if I’m buying a newly constructed home?

Yes, absolutely. Even on a brand-new home, the land sits on a legal history involving past owners, back taxes, or boundary disputes. More importantly, new builds carry higher risks for mechanics’ liens. If a builder fails to pay a contractor, electrician, or supplier, unpaid vendors can place a lien on your home – even after you pay in full. Title insurance protects you against hidden construction claims and legal defects for a single fee at closing.