Title Insurance a MUST or a BUST

[Shawn Ackerman]

If the inspection goes well tomorrow I will be buying a property from a wholesaler(cool person) and I wanted to know if I should get title insurance.  I'm buying the property cash and will most likely be putting a mortgage on it after purchase(unless i hit the lotto first).  I wanted to know two things.

I'm going with the wholesalers title company.  She seems to run a tight operation but I'm still a little apprehensive.  Thoughts?

Should I get title insurance?

Well three questions lol!!!  While doing my due dilligence i found out that the seller owes back money to the local water work to the tune of $1,500.  I was told by the representative that the back money was added to the taxes for the 2016 tax year(No goood) and the outstanding amount stays with the property.  I say all of that to say, Is this the job of the title company to make sure this is resolved before the transfer takes place i.e. closing or do I need to add this as a contingency in the contract?

Thanks for the HELP!!!!!!!!!!!!!!!!!!!!!!