06/17/2026
🏡 Nobody Talks About Owner's Title Insurance...
One of the most common things I hear from buyers is:
"But the lender already bought title insurance, right?"
Not exactly.
The lender's title insurance policy protects the lender's interest in the property. It covers the amount of the loan, not your down payment, your equity, or your ownership rights.
Let's say you put $50,000 down on a home and later discover a title issue that affects ownership of the property. The lender's policy is designed to protect the lender's investment, not yours.
That's why owner's title insurance exists.
An owner's title policy helps protect you from issues that may not have been discovered during the title search, such as:
✔ Unpaid liens
✔ Recording errors
✔ Unknown heirs claiming ownership
✔ Forged documents
✔ Other title defects
The good news? Unlike most insurance policies, owner's title insurance is typically a one-time cost paid at closing and provides protection for as long as you own the property.
Nobody talks about title insurance because hopefully you'll never need it.
But if you do, you'll be glad you have it.
Have questions about closing costs or the home buying process? Send us a message.
