Why Do I Need Title Insurance?

Why Do I Need Title Insurance?

Homeownership is about being part of a community and making the house you live in a great place to call home. There is nothing that provides quite the same joy, pride and sense of accomplishment as owning your own home. However, even though your home may be new to you, every property has a history and there may be hidden issues in the chain of title that could affect your ownership rights to the property. To better understand the need for title insurance, let's start with the basics of what title insurance is.

In addition to the risks outlined in the video, the following represents a short list of other common title issues.


  • Errors in Public Records
  • Unknown Liens
  • Illegal Deeds
  • Unknown Easements
  • Undiscovered Encumbrances
  • Boundary/Survey Disputes
  • Undiscovered Will
  • False Impersonation of Previous Owner

These and other issues are often covered by an Owner's Policy of Title Insurance. Additionally, the title insurance company will, at its own expense, defend the title and pay losses within the coverage of the policy if they occur.

Title insurance has been protecting homeowners for more than 130 years. Purchasing a home may be the largest financial investment you ever make. An Owner’s Policy of Title Insurance provides you with peace of mind by removing the hidden risks of acquiring a piece of property whose legal history is unknown to you.  It's a smart way for you to protect your investment in the American dream. 

Don’t think your property could have a title defect? Neither did Abe Lincoln’s father, and it cost them their home - twice. Watch Abe’s story below.

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