Title Insurance
One of the most important protections you can have when buying a home — and one of the least understood. We’re here to change that.
What is Title Insurance?
When you buy a home, you’re not just buying the property — you’re also buying its history. Title insurance protects you from problems that may have occurred before you took ownership, such as unpaid taxes, outstanding liens, errors in public records, or undisclosed heirs who may claim ownership.
Unlike other types of insurance that protect against future events, title insurance protects against past events — things that may have happened years or even decades before you purchased your home.
Why Do You Need It?
Title issues are more common than you might think. Here are some of the problems title insurance can protect you from:
- Unpaid property taxes from a previous owner
- Liens from contractors or lenders
- Forged signatures on past deeds
- Errors or omissions in public records
- Undisclosed heirs or ownership disputes
- Boundary or survey disputes
Two Types of Title Insurance
Owner’s Policy
Protects you, the homebuyer, for as long as you or your heirs own the property. A one-time premium paid at closing.
Lender’s Policy
Protects your mortgage lender’s interest in the property. Usually required by the lender as a condition of your loan.
Have Questions?
Our team is happy to walk you through your title insurance options. Get in touch today.