Residential Title Insurance
Protect What's Yours
Before Problems Arise
One payment at closing. Protection for as long as you own your home. That's the peace of mind title insurance provides.
Why Your Home Needs Title Insurance
You're about to make one of the largest purchases of your life. You've done the inspections, secured the financing, and negotiated the price. But there's one risk that's easy to overlook: problems hidden in your property's past.
Did you know?
More than one-third of all title searches uncover issues that must be resolved before closing. Without title insurance, any problems discovered AFTER closing become YOUR problem.
Title insurance protects you from the financial consequences of these hidden defects—forged signatures, undisclosed heirs, recording errors, and more. And unlike other insurance, you pay just once at closing for protection that lasts as long as you own your home.
What Title Insurance Covers
Protection against problems you couldn't have known about
Two Policies, Complete Protection
Understanding the difference between lender's and owner's coverage
Lender's Policy
Required if you're financing your purchase. Protects the lender's investment (your loan amount) until the mortgage is paid off.
- Required by your mortgage lender
- Coverage decreases as you pay down loan
- Protects the bank, not you
Owner's Policy
Protects YOUR equity and ownership rights for as long as you or your heirs own the property. This is your personal protection.
- One-time premium, lifetime protection
- Coverage stays at full purchase price
- Protects YOU and your heirs
Frequently Asked Questions
Common questions about title and title insurance
Know Your Costs Before You Commit
Use our instant Rate Calculator to see exactly what title insurance will cost for your transaction—no account required.