When you purchase title insurance for your home, a title company searches public records to find ownership status and other issues like liens that may affect the ownership of the property. An underwriter will determine the insurability of the tile after this search.

After the title company finishes it’s searching, it provides a title insurance policy to help protect you from what might be uncovered later such as filing errors, forgeries or undisclosed heirs.

You lender will require a loan policy of title insurance when you take out a mortgage loan when you buy your property. This protects the lender’s interest in your property until your loan is paid in full or refinanced.

An owner’s policy of title insurance insures your ownership rights to the property and you pay for this policy one once and will last as long as you own your home.

This owner’s policy will give you peace of mind as your home may be the largest financial investment you make.