When you’re buying a home, there’s a lot going on—inspections, paperwork, financing, and planning your move. It’s easy to overlook title insurance in the midst of it all. But this often under-the-radar protection can end up saving you a lot of time, stress, and money. At All Seasons Title, we think of title insurance as your backup plan for the things you can’t see coming. Let’s talk about how it works and why it’s such a smart part of the home-buying process.
Unlike homeowners insurance, which protects against future damage or disasters, title insurance protects against past problems tied to your property’s history. Even after a thorough title search, certain issues can stay hidden until well after you’ve moved in.
Here are a few examples of what title insurance can help with:
If any of these issues show up later, title insurance helps cover the cost to resolve them—so you’re not left footing the bill for something that wasn’t your fault.
Let’s say you buy your dream home and everything feels perfect—until months later, you receive notice of an old unpaid contractor’s lien from a previous owner. Or maybe a long-lost relative of a prior owner claims the property should’ve passed to them. It sounds far-fetched, but these things happen more often than you might think.
Title insurance gives you a safety net. If a covered issue pops up, it can help pay for legal fees, reimburse you for financial losses, and—most importantly—protect your right to the home.
If you’re getting a mortgage, your lender will require what’s called lender’s title insurance—this protects the bank’s investment, not yours.
Owner’s title insurance, on the other hand, is optional but highly recommended. It protects you, the buyer, from financial and legal trouble tied to past ownership issues. And you only pay for it once at closing, yet it lasts as long as you own the home.
At All Seasons Title, we do more than just issue title insurance—we help prevent problems in the first place. Our team performs thorough title searches, explains your policy in plain English, and works to make sure everything is in order before closing. And if an issue ever does arise later on, you’ll have the protection and support you need.
You may never need your title insurance—but if you do, you’ll be really glad it’s there. It protects your ownership rights, gives you peace of mind, and ensures that what’s yours stays yours.If you’re buying a home and want to be sure your investment is protected from the unknown, get in touch with All Seasons Title. We’re here to help you move forward with confidence.