Title insurance protects you and your lender if someone challenges your title to your property because of title defects that were unknown when you bought the policy. Most lending institutions will not loan money to purchase a house or other property unless you buy a "mortgagee" title policy.
This policy protects the lender’s investment by paying the mortgage (loan amount) if a title defect voids your title. When you buy a house, the title company also issues an owner’s policy, unless you reject it in writing. The owner’s title policy protects you against the covered risks set out in the policy.
Read your policy carefully. Check the title policy’s legal description of your land against your survey and your earnest money contract before the closing. Your title policy tells you how to file a claim and describes your coverage, including limitations, exclusions, exceptions, and special conditions.
Complaints
- Online complaint form – Reporting complaints against title insurance companies or agents.
- Complaint information – Complaint data about regulated companies.
More Information
- Title insurance page
- Frequently asked guaranty fee questions
- What is title insurance? | Español
- Title insurance basic manual
- Title insurance bulletins
- Title rates
- Title insurance reports
Mortgage information
- Mortgage fraud resources
- Nationwide Mortgage Licensing System (NMLS) to verify a mortgage company or individual broker