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What is Title Insurance?

Title insurance. A title insurance protects against any tax liens, unpaid mortgages, or judgments missed in the research of the history of title on the property. It is required to obtain a lender's title insurance policy only. If there is a future claim against the property's title, lender title insurance will reimburse the lender for any losses incurred.

If you also desire the protection of title insurance you should purchase a buyer's title policy, but it is not usually required by the lender. This is a one time premium, and usually the cheapest rate might be offered by the company that did the title search. It is also advisable to inquire about the seller's title insurance policies on the property, for it may be possible for you to obtain a policy at a lower reissue rate.

Life and health insurance. Many mortgage lenders offer life and health insurance policies for their borrowers. These types of insurance policies are not required to obtain financing.

Start shopping for insurance as soon as you have an accepted offer. Many buyers wait until the last minute to get insurance and do not have time to shop around.

Insurance is a very competitive business and the price you pay for your homeowners insurance can vary by hundreds of dollars, depending on the insurance company you buy your policy from.

Make a few phone calls, or visit several insurance companies online. This will give you an idea of price ranges and can save you a good sum of money.