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Title insurance protects homeowners and lenders against losses related to title defects, such as unknown liens, ownership disputes, or recording errors, that could affect your legal ownership of the property.

 Title insurance ensures you have clear ownership of the property and protects you from financial loss if a title issue arises. It’s often required by lenders and gives peace of mind to buyers. 

• Lender’s Title Insurance protects the lender’s investment in the property and is typically required.
   
• Owner’s Title Insurance protects your ownership rights as the buyer and is optional but highly recommended.

 An owner’s policy lasts as long as you or your heirs own the property. A lender’s policy lasts until the loan is paid off. 

 Yes. Title insurance is paid once at closing, with no monthly or annual premiums. 

It can cover:

• Undisclosed heirs
   
• Forged documents
   
• Errors in public records
   
• Liens from unpaid taxes or contractors
   
• Boundary or survey disputes
   

 A title search investigates the history of ownership and claims on the property. Title insurance protects you in case something was missed or undiscovered during the search. 

 Yes! As the buyer, you usually have the right to choose your title insurance provider—you don’t have to go with whoever the lender or agent suggests. 

 If you have an owner’s title insurance policy, your title insurer (like Agent Closing Company) will defend your rights and may cover any related legal or financial losses, depending on the coverage terms.