[vel0city]

A large part of the cost of title insurance is because the current system of tracking such things is such a massive mess. If you massively reduce the likelihood of issues cropping up by having actually good systems in place, you don't need to hire the teams of people to actually look into the properties and find the irregularities and end up still missing things from time to time.

Just query the database. Are there any liens registered? No? It is clear then. Anyone that failed to properly file it in the database is just out of luck.

Insurance on something that constantly sees catastrophe is far more expensive than insurance on something that rarely ever sees problems.