Title Insurance Guide With '.$office_name.'

When you buy a home, you’re not just purchasing the property — you’re securing the legal right to own it. Title insurance helps protect that ownership from unexpected legal or financial issues after closing. With '.$office_name.', by your side, you can move forward knowing your investment is protected from day one.

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What Is Title Insurance?

Title insurance is a one-time insurance policy that protects your ownership of a property from past issues tied to the title. Even with a thorough title search, certain problems can remain hidden and surface later. Unlike home insurance, which protects against future damage, title insurance protects against pre-existing title defects — for as long as you own the property.

Who Is Protected by Title Insurance?

Title insurance can protect:

Home buyers (owner’s policy)
Mortgage lenders (lender’s policy)
Or both

Coverage applies to resale homes, new builds, condos, and vacation properties.

Is Title Insurance Required?

If you’re buying with a mortgage, lenders require title insurance to protect the loan amount. This lender’s policy remains active until the mortgage is fully paid off. Owner’s title insurance is optional but strongly recommended. It protects you — not the lender — and is paid once at closing, with no ongoing premiums.

If you’re unsure about title insurance or how it fits into your purchase, We’d be happy to walk you through your options and explain what’s right for your situation.

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At Incom New Demo Office we uphold an ongoing commitment to providing an elevated level of personal service. Our clients come first, and as a result, they are able to achieve more than they ever dreamed with their real estate investment.

Because we expect more from our associates, you can expect more from us when it comes to the important sale or purchase of your property. When it comes to your next move, we want you to experience the difference exceptional real estate service can make.

Contact us today, for free real estate advice, to find your nearest sales associate or to find your dream home!

Title Insurance: Covered vs. Not Covered

Understanding your coverage helps you avoid costly surprises after closing.

What Title Insurance Typically Covers?

Unknown title defects
Unpaid liens or prior mortgages
Ownership claims from unknown parties
Fraud or forgery related to title
Errors in public records or surveys

What Title Insurance Does Not Cover

Issues disclosed before closing
Problems that arise after the policy date
Environmental hazards
Indigenous land claims

Still have questions ? Our Agents at '.$office_name.' are happy to walk you through your options and connect you with the right professionals.

Ask About Title Insurance

Note: Coverage varies by provider and policy type. Always confirm the specifics of your policy.

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When Does Title Insurance End?

Understanding the duration of your title insurance helps you stay protected when it matters most.

Quick Tips For Buyers

Ask your lawyer about owner and lender policies
Review covered and excluded risks carefully
Protects ownership rights, not physical damage

If you’re exploring distressed properties or foreclosure opportunities, understanding title risks is especially important.

View Foreclosure Listings

Coverage & Timing

Owner’s policy starts at closing and lasts as long as you own the property
Lender’s policy: Ends once the mortgage is fully paid
Payment: One-time cost paid at closing

Why It Matters

Knowing how long each policy lasts helps protect you from unexpected issues. The lender’s policy safeguards the mortgage, while the owner’s policy protects your ownership for as long as you own the property. If a covered title issue arises, the policy pays legal fees and expenses to defend your title, providing long-term peace of mind.

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