Title Insurance

Protects a buyer or lender against defects in a property’s ownership history — liens, forgeries, mystery heirs. Paid once at closing.

Title insurance protects a home buyer or lender against problems in a property’s ownership history — hidden liens, forgeries, errors in public records, or unknown heirs who surface later to claim the property.

Unlike most insurance, it looks backward: it covers defects that already exist in the title but haven’t come to light. You pay a one-time premium at closing, and coverage lasts as long as you own the home. A lender’s policy protects the mortgage; an owner’s policy protects your equity.

Mortgage lenders require it, and an owner’s policy is usually a wise addition — a title problem discovered years later can otherwise threaten your entire ownership.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.