What benefits do I receive from title insurance? EZ Mortgages & loans in Boston

What benefits do I receive from title insurance?

Title insurance is a promise by a title insurer that "if the state of the title is other than as represented on the face of the policy, and if the insured suffers losses as a result of the difference, then the insurer will reimburse the insured for that loss up to the face amount of the policy, and any related legal expenses".
Title insurance policies protect lenders and property owners, respectively, against loss from claims due to defective titles and liens or other encumbrances that are not specifically stated in the policy as exceptions from coverage. Title insurance also protects against other matters, such as lack of access to the property and unmarketable title. The title insurance premium is paid in total at closing and the amount is based upon the amount and type of coverage requested.

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