What is Title Insurance?

Title insurance is a policy of insurance that provides coverage for the title related risks associated with real estate transactions. It is designed to cover the unpredictable or undetectable issues such as forgery, fraud, missing heirs, etc. that can affect rights of ownership. Because it is insurance, a title insurance policy moves the risk associated with title from the home buyer, the lending institution or the lawyer, to the title insurer.

If there is a problem with title that only becomes known after closing, the title insurer may rectify the problem or compensate the title insurance policyholder, provided the type of problem that surfaces is covered by the title insurance policy.

A title insurance policy will contain:

risks or losses the policy will cover; risks or losses the policy will not cover; and general terms governing the insurance coverage.

• What is the TitlePLUS Program?
• What is 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?
• How much does TitlePLUS title insurance cost and who pays for it?
• Where can my clients get TitlePLUS?
• How do I make a claim?
• Confirmed Lenders
• Referrals
• TitlePLUS Team
• Clauses you can put in your APS-chart
• Title-related claims