Services - Title Insurance Overview

Thank you for choosing to learn more about Residential Title Insurance.
Title insurance provides coverage for losses that occur when a land title is not free and clear of defects (e.g. claims and defects that were unknown when the title insurance was written).  Two types of title insurance policies are common, a lender's policy and an owner's policy.

Lender's Policy
When you take out a mortgage, the lender seeks protection for their investment by requiring lender's title insurance against losses resulting from claims made by others against your new home. This policy does not protect you nor does the seller's title insurance policy protect you.

Owner's Policy
Since a lender's policy does not protect your financial interests, an owner's title insurance policy is worth serious consideration.  If someone has a claim against your new home and you are not insured, the result could be financial disaster.  Many insurers offer discounts when both the lender and owner policies are purchased at the same time.