What is Title Insurance?

Buying a new home is one of life’s most gratifying experiences and might be the biggest investment you will ever make. As you approach closing date, however, all those details can be overwhelming. It’s easy to overlook the single most important step in the entire process – the purchase of owner’s title insurance.

When you purchase a home, you assume title to the property. Title is the legal right that person has to the ownership and possession of land. However, there can be any number of prior title problems that remain undisclosed even after the most careful search of public records, such as: tax liens, forged signatures in the chain of title, recording errors, title search errors, and claims by missing heirs and/or ex-spouses.

Title insurance protects you against future loss if a covered claim against your property is ever made.

Get the Right Title Insurance

Your lender requires that you purchase a loan policy to ensure that they have a valid, enforceable lien on the property. It does not protect you! Only the purchase of an owner’s title insurance policy provides protection against future loss if a covered claim against your property is made.