How is TitlePLUS coverage different?

TitlePLUS coverage is comprehensive. It automatically covers both the home buyer(s) and their lending institution under the same policy, for one price. TitlePLUS title insurance covers both the title-related risks and the legal services provided by the lawyer in the purchase transaction. TitlePLUS title insurance covers many of the risks normally beyond the scope of a lawyer's opinion, including fraud, forgery, survey errors, and errors made by municipalities and utilities in providing information to the lawyer.*

Only TitlePLUS title insurance standardizes legal services by requiring that lawyers follow a defined set of searches, inquiries and procedures, thereby improving legal services. Home buyers receive the same standard of service from all real estate lawyers while potentially saving money. TitlePLUS insurance also reduces the time a lawyer must spend on redundant paperwork, allowing him or her more time to provide buyers with personal service and advice.

TitlePLUS coverage insures against unpredictable and undetectable issues that could affect the ownership or marketability of a property - issues such as errors in information (such as that provided by a municipality or in a survey), forgery and fraud. It also protects against common problems such as work orders, access rights and conflicting interests in the property. TitlePLUS also insures certain post-policy date events, such as fraud against the home owner or lender, encroachments and selected construction liens. And, because the TitlePLUS policy will be tailored to the specific property, it could insure the home buyer for certain known problems such as an addition that is not shown on an existing survey, or a known encroachment. This additional coverage may alleviate the lender's concerns - and provides you with greater peace of mind.

In a purchase transaction, a TitlePLUS policy insures the legal services provided by the lawyer. So if the lawyer overlooks something, or makes an error while handling the transaction, the buyer can seek immediate compensation from us, without having to sue the lawyer. Click here to view examples of title-related claims and legal services claims.

Some examples of legal services that are covered under a TitlePLUS policy include:

how to take title and the implications; financial implications of the purchase and mortgage; Land Transfer Tax implications; income tax implications; advice regarding the Agreement of Purchase and Sale; chattels with liens; missing an error in adjustments; advice on how to assure title.

* Some restrictions may apply. Please refer to the policy for full details, including actual terms and conditions.

• What is Title Insurance?
• What is the TitlePLUS Program?
• What do I need to know about TitlePLUS title insurance?
• Who stands behind the TitlePLUS Program?
• How is TitlePLUS coverage different?
• What is "legal services coverage"?
• What title-related risks does TitlePLUS title insurance cover?
• What does TitlePLUS title insurance not cover?
• What protection does TitlePLUS title insurance give for events after closing?
• Where can I get TitlePLUS title insurance?
• How much does TitlePLUS title insurance cost and who pays for it?
• How do I make a claim?
• Confirmed Lenders
• Referrals
• TitlePLUS Team