What Is Title Insurance?
Title insurance protects against financial loss from problems with a property's ownership history, such as undisclosed liens, errors in public records, or forged documents. It is paid once, at closing. A lender's policy protects the mortgage lender; an owner's policy protects the buyer's ownership interest.
How It Differs From Other Insurance
Most insurance covers future events; title insurance covers problems that already existed before the purchase but were not discovered in the title search.
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🔗 Related Terms
More Home Buying Terms
- Adjustable-Rate Mortgage (ARM)
- Appraisal Gap
- Assessed Value
- Bridge Loan
- Cash-Out Refinance
- Closing Disclosure
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Last updated: September 27, 2026. This definition is for general educational purposes only. It is not financial, investment, tax, legal, or medical advice, and it does not recommend any product or course of action. For decisions about your own situation, consult a qualified professional.