Why Title Insurance

One Step To Protect You for Eternity

In its simplest terms, title insurance does one important thing: It protects your property rights. For a one-time fee, you get the reassurance of knowing that you and your heirs are protected as long as you own the property. It’s less a question of “why” and more “why not?”

What Your Policy Protects You From

Your owner’s title policy protects you from any past issues or judgments placed on the property such as:

  • Unpaid mortgages
  • Unpaid property taxes
  • Child support liens
  • Missing heirs who could claim the property
  • Missed easements or rights of way that could limit your use of the property

Owner’s Policy vs. Lender’s Policy

These two types of policies offer protection for you and your mortgage lender, respectively.

Owner’s Policy Lender’s Policy
  • Protects the home buyer​
  • A one-time fee based on your real estate purchase
  • Provides protection for as long as you or your heirs have an interest in the property
  • Protects you from any previous title related issues
  • Protects the lender​
  • Usually required by your lender
  • Based on the loan amount
  • Only protects the lender’s interests in the property
  • Does not protect the home buyer in any way
  • Policy amount decreases each year and eventually disappears as the loan is paid off

More Buyer & Seller Information

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