WHY WE RECOMMEND TITLE INSURANCE

Title insurance is often listed as a requirement on lender condition sheets, but many homebuyers don’t realize it can also protect them personally. It covers risks that lawyers and lenders cannot always detect before closing.

Here’s why title insurance matters more than you think.

1️⃣ Title insurance protects more than just the lender

While lenders require coverage, homeowners can benefit too.

✔️ covers unknown title defects

✔️ protects against legal disputes

✔️ shields you from historical issues

It creates a financial safety net for problems that surface after closing.

2️⃣ It covers hidden issues in old properties

Many older homes have unrecorded agreements or outdated structures.

✔️ boundary encroachments

✔️ unpermitted structures

✔️ undocumented easements

Title insurance can cover legal costs or repairs when old issues resurface.

3️⃣ Real example: boundary disputes

Neighbour conflicts can arise from agreements made decades earlier.

✔️ roof or fence encroachments

✔️ shared access issues

✔️ outdated surveys

If a dispute occurs, your title insurer may handle costs instead of you.

4️⃣ Identity theft protection

Title insurance protects homeowners from fraudulent refinancing attempts.

✔️ covers legal fees

✔️ assists with claims

✔️ prevents financial loss

If someone fraudulently places a mortgage on your home, the insurer steps in.

5️⃣ Real example: fraudulent refinancing schemes

Fraudsters sometimes target mortgage-free rural or vacant properties.

✔️ impersonate the owner

✔️ obtain fraudulent loans

✔️ disappear before payments are due

With title insurance, the homeowner receives legal support and coverage.

6️⃣ It protects even if you own your home outright

Clear title does NOT mean zero risk.

✔️ fraud still possible

✔️ errors still occur

✔️ disputes still happen

Title insurance offers lifetime protection as long as you own the home.

💬 Final Thought

Title insurance is a low-cost protection that can save homeowners thousands in legal fees, disputes, or fraud situations. It’s one of the smartest—and most overlooked—safeguards you can add during the buying process.

If you want help reviewing title insurance options, The Frontline Mortgage Group will guide you through choosing the right coverage confidently.