This is a general description of the process. This is a job requiring some knowledge and experience. If you are financing your purchase, the lender will normally require the search, and in most instances make arrangements to perform it. The cost will be charged to you as part of the loan fees. Part of the cost will be for title insurance.
Most lenders require title insurance to protect their security interest in the property.
Problems with title are not common, but if one does arise it can be expensive to resolve. The insurance coverage will provide legal representation and pay any expenses required to settle the issue. It is a one-time fee and is not that expensive. Even if you are not financing your purchase and are not required to buy title insurance, you will want to have a title search and you should purchase insurance. Buying a detached single-family home .