Title Insurance: The One Thing at Closing You’ll Actually Be Glad You Paid For
Published | Posted by Allen Seigler
Why it matters
Buying a home is usually the biggest financial move most of us make. Title insurance makes sure that when you leave the closing table, the home is truly yours—no surprise liens, no long‑lost heirs, no clerical mix‑ups lurking in old records.
How it works (without the jargon)
- Deep records check before you close. The title team combs public records to see if anyone else has a legal claim. If they find an issue—an unreleased mortgage, unpaid taxes, or a recording error—they work to fix it before you buy.
- Two policies, one closing. A lender’s policy protects your bank. An owner’s policy protects you and lasts as long as you own the home. Both are one‑time premiums paid at closing.
- If something pops up later, you’re covered. If a covered claim shows up down the road, the title company provides legal defense and pays covered losses. That’s real peace of mind.
Why this insurance feels different
Most insurance covers future accidents. Title insurance focuses on cleaning up the past—the stuff that happened before you ever fell in love with the house. That’s why the cost is generally modest compared with the protection it provides.
Quick note for Georgia buyers
In Georgia, closings are handled by real estate attorneys. Your lender will almost always require a lender’s policy; the owner’s policy is optional but strongly recommended because it protects your interest—not the bank’s.
I’ve got you covered locally
If you’re buying in Oconee County—Watkinsville, Bishop, Bogart—or nearby in Athens, Barrow, Madison, or Walton counties, I’m happy to walk you through the title work and make sure you’re protected every step of the way.
Quick FAQs
Is title insurance a recurring cost?
No. It’s a one‑time premium paid at closing. The owner’s coverage lasts as long as you own the home.
Do I need title insurance if the seller provides a warranty deed?
Yes. A warranty deed is helpful, but it doesn’t pay your legal bills or cover losses if a covered title defect surfaces later. Title insurance does.
Does my lender’s policy protect me?
No. The lender’s policy protects the bank’s interest in the property. The owner’s policy protects you.
Friendly reminder: This is general information, not legal advice. Always review your specific policy and talk with your closing attorney or title professional.
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