What is What Is Title Insurance?
Title insurance is a one-time policy protecting owners and lenders against losses from defects in the property's ownership history — unpaid liens, forged deeds or missed heirs. Lenders always require a lender's policy; owners can add a separate owner's policy at closing.
Practical Example
When a U.S. consumer researches title insurance, understanding the mechanics up front helps them compare providers, avoid hidden fees and choose the option that best fits their budget and long-term goals.
Why It Matters
Getting title insurance right can save households hundreds to thousands of dollars each year and prevents disputes that end up in state regulator complaints or court.
Frequently Asked Questions
Because it affects the price you pay, the protections you keep and the options you have — details that shift with each new regulatory cycle.