A slew of what you mentioned is the responsibility of the closing office and attorney. Your real estate agent is not our there verifying deeds, ownership interests, liens, titlework, or insurance. They have real estate attorney/title offices they generally work with, you always have a choice and generally the spend is the same.

The best bang for your buck buying/selling is choosing a great closing office. Even boutique ones tend to be within a margin of cheap ones and their the people making sure everything will be smooth, from loan closing to property transfer.