How Title Insurance Protects Your Biggest Investment

For most people, buying a home is the biggest investment they’ll ever make. It’s not just four walls and a roof — it’s financial security, a place to build memories, and a foundation for the future. But what happens if something unexpected comes up that threatens your ownership rights? That’s where title insurance steps in.

What Is Title Insurance?

Title insurance protects homeowners and lenders against problems tied to the ownership history of a property. Unlike other insurance policies that guard against future risks, title insurance protects you from issues that happened in the past — things that could surface even after you’ve closed.

Why It Matters

Even with a thorough title search, hidden issues can arise. Some common risks include:

• Undisclosed liens: A contractor or creditor may have placed a lien on the property.

• Errors in public records: Simple mistakes in legal documents can affect ownership.

• Unknown heirs: Long-lost relatives could make a claim to the property.

• Fraud or forgery: Past fraudulent deeds or signatures may threaten ownership.

Without title insurance, resolving these problems could cost homeowners thousands of dollars — or even result in the loss of the property.

Two Types of Title Insurance

1. Owner’s Policy: Protects the buyer’s rights and financial interest in the property for as long as they own it.

2. Lender’s Policy: Protects the lender’s investment until the mortgage is paid in full.

Together, these policies ensure both buyer and lender are covered.

Peace of Mind at Closing and Beyond

When you sit at the closing table, you want to know your investment is safe. Title insurance gives buyers, sellers, realtors, and lenders peace of mind that no hidden surprises will threaten the deal — or the home.

The Merit Title Difference

At Merit Title, we don’t just issue policies. Our boutique team — Kerry, and Rachel — carefully reviews every detail to protect your biggest investment. With over 30 years of combined experience, we bring a personal touch and trusted expertise to every closing.

Because to us, it’s not just a house. It’s your home.