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What Is Title Insurance?

Title insurance is a form of indemnity insurance that protects lenders and homebuyers from financial loss sustained from defects in a title to a property. The most common type of title insurance is lender's title insurance, which the borrower purchases to protect the lender. The other type is owner's title insurance, which is often paid for by the seller to protect the buyer's equity in the property.


  • Title insurance protects lenders and buyers from financial loss due to defects in a title to a property.

  • The most common claims filed against a title are back taxes, liens, and conflicting wills.

  • A one-time fee paid for title insurance covers pricey administrative fees for deep searches of title data to protect against claims for past occurrences.

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What is real estate escrow?

Escrow is when a neutral third party holds on to funds during a transaction. In real estate, it’s used as a way to protect both the buyer and seller during the home purchasing process. After a property is purchased, the new homeowner continues to put money into escrow as a means of paying mortgage and insurance payments, though this is a little different than real estate escrow.

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