Or you can negotiate so that is included, or at least covered partially. If the seller refuses to pay part, you can still arrange to obtain one on your own. It could be a good investment. You might want to discuss this with the real estate agent or your broker, or to talk to an insurance company such as American Home Shield who can tell you the various options and costs. Many will want one, especially on the first mortgage deal.
Most transactions are fairly routine, standard and relatively safe.
But there are exceptions. The cost of a lawyers few hours in checking the contracts and closing documents is dwarfed by the cost of the home and probably will be less than a month's payments.