It is a cost-effective protection that shields homebuyers from many of the major risks that can affect the ownership and/or future marketability of title to a property.

A title insurance policy protects residential or commercial property owners and their lenders against losses related to the property's title or ownership: it protects against title defects or unknown claims on the property that can affect ownership rights. Title insurance moves the risk associated with title from the buyer, homeowner or lender, to the title insurer.

Title insurance is typically purchased by homebuyers for a one-time fee at the time of closing; however it can also be purchased by existing homeowners (existing homeowner policies differ from those obtained at closing). Residential title insurance coverage usually lasts as long as the insured owns the property and coverage often extends to heirs, spouses (in the case of divorce), or to children (when property is transferred at a nominal cost).

 

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