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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.
There are two different types of title insurance: owner’s policy and lender’s policy.
An owner's policy protects your property rights for as long as you or your heirs own the home. That's peace of mind that every homebuyer deserves!
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 this varies depending on geography.
Possible issues include unknown:
Owner’s title insurance protects your investment in your property from certain future legal claims regarding ownership of your property. For a one-time fee, you and your heirs* receive coverage for as long as you own your home. The owner’s policy also covers potential legal fees and court costs for settling claims covered by your policy.
No, you don't have to! But purchasing owner's title insurance is a smart decision because it's the best way to protect your property from future legal and financial claims.
The one-time payment for owner’s title insurance is low relative to the value of
your home. You can calculate your closing costs using our online calculator.
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.