House Title Insurance Should I Purchase Owner's Title Insurance If I Buy A House?

Should I purchase owner's title insurance if I buy a house? - house title insurance

I want to buy a house. My lender is already included provider of title insurance as part of my closing costs. He (the type of mortgage) says I am not required to purchase title insurance for the property for your business.
It is a house of 30 years and is at least one person from 3 to this house (even the current owner has only three years of ownership, so that at least one person, they must have owned before).
What is the difference between fact, including insurance to the lender and owner's title insurance.?

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