Definition
Owner's title insurance protects you against financial loss from title defects or ownership disputes. It's a one-time premium covering as long as you own the property.
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Owner's policies are one-time premiums covering the owner for as long as they own the property. Protect against title issues that existed before purchase.
Pro Tip
Always purchase owner's title insurance at closing. Protection is inexpensive and valuable.
Example
Owner's title insurance policy covering $400,000 home protecting against title claims.