Do I need Title Insurance?


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10/19/2011
Samah Ghabour
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The goverment of most states doesn't guarantee your title as being truly yours - it simply records transactions and sales. For example, you're buying a home purchased in 1980 new. However, a lien was put on the property in 1975 - on the vacant lot - but did not show up in the title search in 1980. Today, when you go to buy that home - you are suddenly liable for the lien from 1975.

A title insurance policy is essential to protect your assets from liens that may have been missed during the title search. It gives you peace of mind knowing that your biggest investment is protected. You obtain an Owner's title insurance policy when you purchase your home. When you refinance, you obtain a title insurance policy to protect your lender.



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