What is a title report?

A title report discloses the current ownership and restrictions for a particular property. Before issuing a title insurance policy, this report is usually generated by a title company.

What is title insurance?

Title insurance is protection against loss arising from problems connected to the title to your property.

Before you purchase a property, it may have exchanged hands several times and as a result, there may be some legal challenges that result from a previous deal. Title insurance covers the insured party for any claims and legal fees that arise out of any relevant problems.

Do I need title insurance?


Purchasing real estate is likely one of the biggest investment you will make. It follows that you will probably want to insure it not only to protect it from theft or a natural disaster, but also from legal situations that may allow someone else to hold a claim to a property you purchased.

Title insurance protects you (and your mortgage company) from potential risks associated with challenges to title.  Additionally, most mortgage companies, banks and credit unions require title insurance to protect their own interest in the property.


For more information on title insurance and the different policy options available, please see below: