10/04/2026
The Truth About Title Insurance 🏡
When you’re buying a home, title insurance often feels like just another line item at closing. But understanding what it actually protects, and where its limits lie, can save you major headaches and unexpected costs down the road!
Swipe through the slides above for a complete breakdown ➡️
🛡️ What Title Insurance Protects:
Title Fraud & Forgery: Protects against unauthorized property transfers, fraudulent mortgages, or identity theft impacting your ownership.
Survey & Boundary Issues: Covers unknown encroachments (like a neighbour’s fence or deck over your property line) or disputes a physical survey would have shown.
Unpaid Municipal Debts & Liens: Guards against pre-existing claims from previous owners, such as unpaid property taxes, utility arrears, or mechanic’s liens.
Zoning & Permit Violations: Protects against forced compliance or removal costs for unpermitted work done by a previous owner (e.g., illegal decks, basements, or additions).
Unregistered Easements & Errors: Shields you from undisclosed access rights or historical errors in land registry records.
Gap Coverage & Duty to Defend: Covers the period between closing funds being released and deed registration, plus legal fees required to defend your ownership rights.
🚫 What Title Insurance Does NOT Cover:
Known Title Defects: Any issues or defects you were already aware of prior to closing.
Post-Closing Violations: Zoning or building permit violations you create yourself after taking ownership.
Physical Property Defects: Structural issues, roof leaks, or wet basements (these fall under home inspections, not title insurance!).
Environmental & Land Claims: Environmental hazards (e.g., soil contamination) or Native land claims.
Understanding your coverage ensures you're fully protected when making one of the biggest investments of your life.
Have questions about purchasing or selling in our market?
Send me a DM, I’m always happy to guide you! 💬
