A few weeks ago I made a post about the basics of title insurance.  Due to the positive response, and after receiving some additional questions about this topic, I wanted to create this post to provide some specific examples of why you need title insurance.  Remember that the best title examination or search cannot protect your equity and home from matters not appearing in the public records. However, title insurance can protect you from:

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Other types of insurance coverage focus on possible future events and charge an annual premium – such as flood insurance or hazard insurance that safeguard against loss from wind damage.  Title insurance protects against loss from hazards and defects already existing in the title, and is purchased with a one-time premium.

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So, you are buying a house.  It is an exciting time.  It can also be a bit confusing.  Things feel like they are happening pretty fast and, often, some important things can go unexplained – like title insurance.  The purpose of this post is to provide some basic information on title insurance.

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