10/12/2026
You pay for title insurance once, at closing, and most people have no idea what it does. Sixty-second version:
Here's the move to understanding it: title insurance protects you if someone shows up later claiming they own part of your house β an old lien, a missed heir, a paperwork error from decades ago. Your lender requires a policy for themselves. The owner's policy is the one that protects YOU, and it's a one-time cost, not a monthly bill.
I see the claims. They're rare, but when they hit, they're catastrophic without coverage.
Buying soon? Ask your title company what your owner's policy covers β it takes five minutes.
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