Tittle insurance while paying cash

[Melonie Dickson]

Im currently under contract to purchase property all cash and in the title process. Do I need to purchase title insurance? 

Im confused about what it is that the insurance will cover. I thought it cleared all liens and judgements on the property but the title company is now asking me to see if the seller has an owners title policy to clear previous owners judgements.

I asked them is it necessary if im getting title insurance. They said if the judgments are still owed, the seller will have to pay at closing. Minimizing the amount he walks away with( its a cheap deal to begin with)

Im confused about the title insurance/judgment clearing process. What then is the point of me purchasing insurance.