When you purchase your home, how can you be sure that there are no problems with the home’s title and that the seller really owns the property? Title insurance guarantees the absence of undisclosed liens and ensures that you own the property.
The title of a property declares your ownership of that property. As a buyer you want a clear or clean title — one that doesn’t have liens for unpaid taxes against it, or claims of ownership by a faraway aunt or uncle, or an unknown easement through the backyard.
Title insurance protects you and your heirs against ownership claims against your property for as long as you own the property.