does the winner of a trustee sale have to pay for second mortgage

When looking at the loan amounts on trustee sales, often there is a second mortgage listed. Is the buyer assuming this loan amount? Is this buyer protected from assuming this by acquiring title insurance?

Quick answer on this: the trustee sale on the first mortgage wipes out junior liens, including a second mortgage. Title insurance is not available at trustee sale, but assuming that it was it would not be necessary for this purpose.