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Robinson & Stover, LLC

Attorneys at Law, Commercial and Residential Title

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Title Insurance

There are two types of title insurance policies: an owners’ policy and lender policy. The policy holder is protected against financial loss if challenges to title or title defects occur.

All lenders will require a lender title insurance policy to be purchased by the buyer. Rates for this type of policy are calculated at a different rate than an owners policy. The cost of a lenders policy is typically less because this policy only lasts for the term of the loan.

Borrowers will have the option to purchase title insurance to protect their interests. The policy is paid one time at closing and takes effect the date and time of deed recording. The title policy term lasts as long as the purchaser owns the property.

For a Title Insurance Premium quote, please see NATIC’s QuickLink Calculator.

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