PMI doesn’t protect your family if you die; it protects the lender from loss in the event they foreclose and sell the property for less than what you owe.
“Mortgage life insurance” is a scam that can be avoided by buying an ordinary term life insurance policy.
Title insurance - I have NEVER heard of a successful claim on title insurance. During the last decade thousands of home owners should have been able to claim on a faulty title policy. Never happens, AFAIK.
PMI - supposed to protect the bank when a borrower defaults. If so, then why do thousands of 1099-C go out every year from the LENDER, when in most cases any losses should have been covered by PMI?
As I was once told by the police, unless there has been a crime or damages, we couldn't bring charges against a perp. No loss to me personally, then no charges (credit card scam that was stopped).
So why does a borrower get hit with a 1099-C if there was no loss to the bank?
(I know, because the IRS lets them ...)