text: i am being offered the owners enhanced title insurance as part of a closing package, should i take it or shop?   enhanced policies are usually not worth it but it depends on the property you are buying.  the older a property is and the more times it has changed hands, the greater the chance of there being a problem with the title.  the title compnay will be more than happy to explain why their enhanced policy is better than a standard policy.  if they won't then find a new title company.