Next question is from Daniel. It says I have the option to buy title insurance for myself for my new home.

I am required to purchase it from my lender.

Is it, it is about $1,100 for the title insurance.

I heard that it's a scam and pays out at a much lower rate

than any other type of insurance. Do I still need title insurance?

This is a great question and this is one forever. I kind of I just piggybacked on somebody I look up to.

But no, but I want to tell you I've bought a houses now, so I've got a little more of an experience

on where you can squeeze on this a little bit.

Is that Car Coward, we all know, Car coward, fingerprints all over me, anybody from Atlanta or even, I know he's, you know,

Clark touches, he's all over the place, but about, I love me some Clark Howard and Clark forever would be like

buy that title insurance. Now here's what I recognize once I started buying houses is that if you're

doing a mortgage your lender is already going to is that a title search and buying

You're lender is already going to require that a title search and and buying insurance is already part of the process

What your goal should now be and you can do some research on this, is keeping them

honest that they're not double dipping, charging both of you the same cost.

You want to kind of find out and do a little research and even squeeze them on since they're already having to do the title insurance for your

Mortgage company can they get a little more competitive with that piggyback policy essentially that's already going off the heavy lift that you're having to pay for for the mortgage company and give you that that policy at a much cheaper price.

Squeeze them on that, ask and negotiate.

But yes, I like title insurance just for the peace of mind,

especially if you've got a mortgage.

They're already doing the work anyway.

See if you can get it for a very reasonable add-on fee

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