When you buy a home, you’re not just purchasing the property — you’re securing the legal right to own it. Title insurance helps protect that ownership from unexpected legal or financial issues after closing. With
Rosalie Frazier
, by your side, you can move forward knowing your investment is protected from day one.
Title insurance is a one-time insurance policy that protects your ownership of a property from past issues tied to the title. Even with a thorough title search, certain problems can remain hidden and surface later. Unlike home insurance, which protects against future damage, title insurance protects against pre-existing title defects — for as long as you own the property.
Who Is Protected by Title Insurance?
Title insurance can protect:
Home buyers (owner’s policy)
Mortgage lenders (lender’s policy)
Or both
Coverage applies to resale homes, new builds, condos, and vacation properties.
Is Title Insurance Required?
If you’re buying with a mortgage, lenders require title insurance to protect the loan amount. This lender’s policy remains active until the mortgage is fully paid off. Owner’s title insurance is optional but strongly recommended. It protects you — not the lender — and is paid once at closing, with no ongoing premiums.
If you’re unsure about title insurance or how it fits into your purchase, I’d be happy to walk you through your options and explain what’s right for your situation.
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Languages Spoken: English, Hindi
Title Insurance: Covered vs. Not Covered
Understanding your coverage helps you avoid costly surprises after closing.
What Title Insurance Typically Covers?
Unknown title defects
Unpaid liens or prior mortgages
Ownership claims from unknown parties
Fraud or forgery related to title
Errors in public records or surveys
What Title Insurance Does Not Cover
Issues disclosed before closing
Problems that arise after the policy date
Environmental hazards
Indigenous land claims
Still have questions ?
Rosalie Frazier is happy to walk you through your options and connect you with the right professionals.
Owner’s policy starts at closing and lasts as long as you own the property
Lender’s policy: Ends once the mortgage is fully paid
Payment: One-time cost paid at closing
Why It Matters
Knowing how long each policy lasts helps protect you from unexpected issues. The lender’s policy safeguards the mortgage, while the owner’s policy protects your ownership for as long as you own the property. If a covered title issue arises, the policy pays legal fees and expenses to defend your title, providing long-term peace of mind.
Let's Talk!
Contact me today so I can help you understand your insurance options and prepare the right plan to protect your new home.
Title Insurance Details
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