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Glossary term

Title Insurance

Definition

Title insurance protects you (or your lender) if a problem with the property's ownership history turns up later.

Technical definition

Title insurance is a policy indemnifying against financial loss arising from defects in title, liens, or encumbrances not identified at closing.

Why it matters

It guards against costly surprises from past ownership issues. Lenders often require it when financing real estate.

Example

If an old, undisclosed lien surfaces after purchase, title insurance may cover the resulting loss.

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