05/21/2026
Imagine you buy a home and later find out there’s a gas pipeline easement running through the property. The previous owner didn’t know, and the house was built over part of that easement.
Fast forward: the gas company needs access to their line. Since your house is sitting where they have legal rights, you could be forced to remove part of your house or tear it down.
This is where title insurance matters.
✅ Owner’s title insurance can help protect you financially if a title issue was missed during the title search, like an easement or encroachment that impacts your ownership rights or property value (coverage depends on your policy and what was listed as exceptions).
✅ Lender’s title insurance protects the bank. If a title problem reduces the value of the property they have a lien on, the lender’s policy is there to protect their investment, not your equity.
***Obviously, this is not legal advice. Always read your policy and talk with your title pro or attorney for your specific situation.***
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