08/06/2026
Did you know title insurance has limits on what it actually covers?
Most people sign for it at closing without ever reading what is and is not included. Some of the major covered items include unknown liens, fraud or forgery in the chain of title, and errors in public records. Some of the major exclusions include issues you created after ownership, zoning violations, and environmental hazards. Every policy is different, so always review yours.
There are also two types. The lender’s policy protects the bank. The owner’s policy protects you. If you only have one, make sure you know which one it is.
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For informational purposes only. Not legal advice. Consult a licensed attorney for guidance specific to your situation.