What are the types of title insurance?

What are the types of title insurance?

There are two basic forms of title insurance, a “Lenders Policy” and an “Owners Policy.” A Lenders Policy insures that a lender has a valid, enforceable lien on the property and affords the lender protection against certain defects in title including, but not limited to, unpaid bills for labor and material, forgeries, interests of missing heirs or unpaid taxes. A Lenders Policy does NOT afford you any protection. An Owner’s Policy will protect your interest from title defects. Typically, an Owners Policy is cheaper when issued simultaneously with a Lenders Policy.


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