Title Insurance can be confusing and many people don't understand what it is or the purpose it serves; we have put together some answers below for a few common questions about title insurance.


What is a title?

The title is your ownership right to your property


What is a Title Search?

A title search is a standard part of the home buying process that is conducted to uncover issues that could prevent your right to the property. Your closing agent reviews public records to see if there are problems or defects that could cause you legal issues.


What is title insurance?

if you're buying a home, title insurance is a policy that protects your investment and property rights.

There are 2 different types of title insurance:

  1. Owner's Policy
    An owner's policy protects your property rights for as long as you or your heirs own the home.

  2. Lender's Policy
    A lender's policy is usually required by the lender and protects only the lender's financial interests. The buyer typically pays for this policy but it varies depending on geography.  Feel free to contact one of our partners to learn how it is handled in your area.


Why Should I Purchase Owners Title Insurance?

Purchasing owner's title insurance is a smart decision because it's the best way to protect your property from future legal claims.


What Does Owner's Title Insurance Cost?

The one-time payment for owner's title insurance is low relative to the value of your home. Typical prices are around 0.5% of the home's purchase price.


How Long Am I Covered?

Your owner's insurance policy lasts as long as you or your heirs own your property. Your life will change over time, but your peace of mind never will.


What Happens At Settlement?

You sign the legal documents and receive the keys to your new home.



For more information, contact one of our partners.