[anonfordays]

>You are paying for title insurance mostly to buy the expertise of a local title agent who knows how to look up things locally.

No longer true. Almost all title shops subcontract this out to small software companies that scrape public records and return an "all good" if nothing shows up. This query is usually done by a teenager or early twenty-something in a call center with zero experience, just data entry.

>There is no national database that is up to date and trustworthy for this. To be even close to accurate, you need to check the source of truth for property deeds, transactions, liens.

Sure there are, they're just private. Think LexisNexis.

>You need to check various level of governments if taxes are up to date. If they are not, there may be an implied lien.

Tax liens are not covered by title insurance.