What is title insurance?

 An insurance policy--protecting against loss should the condition of title to land be other than as insured.

Why do I need title insurance?

:When you buy a home, or any property for that matter, you expect to enjoy certain benefits from ownership. For example, you expect to be able to occupy and use the property as you wish, to be free from debts or obligations not created or agreed to by you, and to be able to freely sell or pledge your property as security for a loan. Title insurance is designed to cover these rights you bargain for.