You should insist that the contract allows you to obtain an “owners extended coverage” or “plain language” title insurance policy with mechanics lien protection, whether you pay for this coverage or the builder does. If material suppliers and subcontractors who helped build the home do not get paid by the contractor, they can record liens on your home and you may have to pay them. Unless you want to pay for your house twice, transfer this responsibility to the title company through an “extended coverage” policy. If the title company refuses to provide this type of policy, they may have doubts about the builder’s financial status. So should you.