Title insurance protects the homeowner’s title from defects in the title that might arise from events that happened before when the home was purchased. It helps to protect yourself from financial loss from having a defect in the title. It will also cover any attorney fees that you may need because of the defects. Ultimately, you might not know about the title defect until years later, so the title insurance will protect you from it.

• Impersonation of the owner of a property
• Forged deed, releases or wills
• Instruments executed under an invalid or expired power of attorney
• Undisclosed or missing heirs
• Mistakes in recording legal documents
• Misinterpretation of the consequences of other documents
• Deeds by persons of unsound minds, minors, or persons supposedly single but in fact are married
• Lack of authority of the person signing the deed
• Fraud
• Liens for unpaid real estate taxes, estate, inheritance, and income or gift taxes