Not covered by title insurance.
>Or if they are beyond on their property taxes?
Specifically not covered by title insurance.
>Or going through a messy divorce?
Not covered by title insurance, nor would this scenario matter since the owners are known.
>Or get an unexpected large medical bill that finalizes as a financial judgement against them?
Not covered by title insurance.
Hope I cleared that up. Title insurance is a legalized scam with a market cap in the billions.