What is Title?

Title is your ownership rights to your property.

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What is Title insurance?

Title insurance is a policy that protects your investment and property rights. There are two different types of title insurance: owner’s policy and lender’s policy

 An owner’s policy is purchased by you, the homebuyer. While it is your choice, purchasing an owner’s title insurance policy is the best way to protect your interests.

• Who does it protect? You, the homebuyer, are covered as well as your trustees, inheritors, and beneficiaries.
  

 A lender’s policy is usually paid for by you or the seller. It is almost always required by the lender and protects only the lender’s interest.

• Who does it protect? Only the lender is covered by the lender’s policy.