Frequently Asked Questions of Title Insurance

What is Title?
Title is your ownership right to your property.

What is Title Insurance?
Title insurance is a policy that protects your investment and property rights.
There are two different types of title insurance: owner's policy and lender's policy.

Owner's Policy
An owner's policy protects your property rights for as long as you or your heirs own the home.

Lender's Policy
A lender's policy is usually required by the lender and protects only the lender's financial interests. The buyer typically pays for this policy.

Why Should I Purchase Owner's Title Insurance?
Owner's title insurance is the best way to protect your property from future legal claims. It's a one-time fee that covers you and your heirs for as long as you own your home. The owner's policy also covers potential legal fees for settling claims against your property rights.

What Does Owner's Title Insurance Cost?
The one-time payment for owner's title insurance is low relative to the value of your home. The typical owner's title insurance policy costs around 0.5% of the home's purchase price.

How Long Am I Covered?

Your owner's insurance policy lasts for as long as you or your heirs own your property. Your life will change over time, but your peace of mind never will.