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Title insurance offers financial protection against title problems that could not be found in the public records, are inadvertently missed in the title search process, or those that may arise from fraud or forgery.

The title policy a lender requires only covers the lender’s interest in a property.

The Homeowner’s Policy has a one-time charge and includes coverage for the homeowner on a number of items detailed below. If your home’s title is challenged based on a covered item, the title insurer will pay for defending against the challenge and will either “perfect” (make perfect) the title or pay the valid claim.

The American Land Title Association® (ALTA®) Homeowner’s Policy is a collection of coverages designed to meet the concerns of our homeowner customers.

Source: Stewart