Title Insurance on Land Purchase

[Elissa Bateman]

I'm purchasing a lot from a builder (who is purchasing from a developer) for an eventual STR property in Broken Bow, OK. Should I buy title insurance when I buy the lot?

The title company mentioned certain advantages to purchasing title insurance on the land, and we wouldn't need to purchase again when we refinance the construction loan.  But the builder said we would have to purchase title insurance a second time, and she personally wouldn't do it.  It would also slow the transaction a bit, which is no problem for me.

I am quite risk-averse, so I tend to want to purchase title insurance, but I don't want to waste money if I have to repeat it. 

Can anyone offer guidance or other considerations?