09/04/2026
Title insurance can protect you from certain problems with property ownership that aren't always obvious at closing. 🏡📋
Here are five things worth knowing:
1️⃣ It protects against certain title risks such as undiscovered liens, ownership claims, or errors in public records, depending on the policy.
2️⃣ It's different from home insurance. Home insurance generally covers the property and its contents, while title insurance focuses on certain risks connected to ownership and the property's title.
3️⃣ Coverage varies. What's protected, excluded, and subject to limits depends on the specific policy and local rules.
4️⃣ It's generally a one-time premium. In markets where title insurance is available, the policy is typically purchased for a single premium rather than as an ongoing monthly cost.
5️⃣ It doesn't replace a title search. A title search or examination is still an important part of identifying potential ownership issues before closing.
Title insurance rules and availability vary significantly by location, so buyers should review the policy carefully and understand exactly what protection it provides.
📌 Before closing, make sure you know what your title coverage does, and doesn't, protect you from!
