Blog > What Is Title Insurance, and Why Do I Need It?
Title insurance protects homeowners and lenders from potential ownership disputes, liens, or errors in public records. It ensures that the property’s title is clear and transferable. There are two types: lender’s and owner’s policies. While lender’s insurance is typically required, owner’s coverage is optional but highly recommended — it provides lifetime protection for as long as you own the home. It’s a small, one-time investment for lasting peace of mind.
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