Title insurance covers clean title at the time of purchase, not when somebody files a fraudulent title on your paid off home.
These scum artists don’t do this on homes that still have a bank lien on them, because then the scam doesn’t work.
They forge and file the paperwork for a new deed and then take out new mortgage which they don’t pay and the bank forecloses and evicts the true owners as squatters.
It takes a lot to sort out, often because elderly people disregard the forclosure paperwork because they know they didn’t take out a 2nd mortgage so it must be misdelivered mail, because title fraud doesn’t occur to them.
Title insurance covers clean title as ling as you own the home.