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Title insurance protects homeowners and lenders from a range of potential issues—known as title defects—that could threaten ownership rights or result in financial loss. The most common defects covered include:

Errors in Public Records

Clerical mistakes, incorrect names, missing pages, or misfiled documents can cloud the title and require costly corrections.

Unknown or Undiscovered Liens

Previous owners may have left unpaid debts that become liens against the property, even after the sale.

Fraud and Forgery

Forged signatures or fraudulent documents in the property’s chain of title can threaten your legal ownership.

Illegal or Invalid Deeds

If a prior deed was executed by someone without legal capacity, the transfer could be invalid.

Missing Heirs or Undiscovered Wills

If heirs or wills are discovered after a property transfer, your ownership could be challenged.

Boundary or Survey Disputes

Conflicting property surveys or unclear boundaries can lead to disputes with neighbors.

Unknown Easements or Encumbrances

Undisclosed rights allowing others to use part of your property can limit your use and enjoyment.

Document Errors and Omissions

Mistakes or missing information in past documentation can create legal uncertainties about ownership.

These defects are often hidden and may not be discovered during a standard title search, which is why title insurance is essential protection for both buyers and lenders.