Specifically, what money losses could occur that Title Insurance would give you money for?

The only way I've heard of to get around this is to "buy" items from them that stay with the property (i.e.: $2500 for appliances, etc.)

The trickiest scenario is splitting the losses if you lose money on the flip. 

They have amazing years and then heavy loss years.

., an addition), or major items like roofs, appliance, flooring, or furnaces. 

We bought some roofing materials from Menards, but all the finished items are from Home Depot including the backsplash.

If you are worth 10 million putting 1 million down on a project if it goes south you could still be okay and recover your losses over time with other projects.

I have run the numbers and this is what I am getting for the items listed below.  

In my area I generally end up at 45%, but I usually estimate at 52% when I am doing a quick analysis.Other individual items to consider is lawn, pest, CAPEX (Capital items like roof, AC etc) maintenance.  

Items 1 through 5 of my request comprise one statement (CC §2943(a)(2) (A) through (H)), thus the maximum fee allowable by law is $30.00.Please forward the requested information via fax to (888) 555-1212, or by US Mail to: PO Box 1234, Anytown, CA 12345.