### What is title insurance? When you buy a home, you're not just buying the walls and the roof. _You're buying its history, too._ Title insurance protects you from any hidden legal issues tied to your property’s past—like an unpaid tax bill, a forged signature, or a long-lost heir who suddenly shows up claiming ownership. It’s a one-time purchase that protects your ownership for as long as you own the home. Think of it as a safety net that ensures the home you bought stays yours—free and clear. ### Standard vs. Enhanced Title Insurance When it comes to title insurance, you’ve got two options: Standard and Enhanced coverage. Both protect your ownership rights—but one goes a step further. ### Standard Title Insurance [Standard Title Insurance](https://drive.google.com/file/d/1yehso3Vos_ed9NahoZPw4XRFl59mEDH5/view) covers the basics. It protects you from problems that already exist but weren’t caught during the title search—like a past owner’s unpaid mortgage or an unknown heir with a claim to your home. ### Enhanced Title Insurance [Enhanced Title Insurance](https://drive.google.com/file/d/1yehso3Vos_ed9NahoZPw4XRFl59mEDH5/view) gives you broader protection. It covers everything the standard policy does _plus_ extra risks that _aren’t_ in the public record—like someone forging a document or building permit issues. It also covers certain things that might come up _**after**_ you close. ### Commonly Asked Questions **Wait—I already have title insurance through my lender, right?** Not exactly. If you're getting a mortgage, your lender will require a Lender’s Policy. It protects their investment in your home—not yours. That means if a title issue pops up (like an old lien, a legal dispute, or a clerical error in public records), the lender is covered—but you’re not. That’s where Owner’s Title Insurance comes in. It’s optional—but highly recommended. It protects you, the homeowner, from unexpected issues that could threaten your ownership or cost you money down the line. Bottom line? The Lender’s Policy protects the bank. Owner’s Title Insurance protects **_you_**. We recommend having both. **Is title insurance required?** If you’re paying with cash, title insurance isn’t required; however, we still recommend that you obtain it. If you're taking out a mortgage, your lender will require a Lender’s Policy to protect their interest. But here’s the key: the Owner’s Policy—the one that protects you—is optional. That said, here at Moments Real Estate, we strongly recommend it. Why? Because one hidden issue in the title could cost you thousands… or even the home itself. So while it’s not mandatory, title insurance is one of the best ways to protect your biggest investment. .png) ### To protect you, we've partnered with the best, **DI Realty Conveyancing** DI Realty Conveyancing offers professional services to ensure [a smooth and efficient settlement](https://docs.google.com/document/d/1_aTlwoq8JC-Ayw51kc0XBlyIVj8wGQyR/edit?rtpof=true&sd=true#heading=h.wumppzh0cx45) for a flat fee. They'll help with transaction support, certifications and payoffs, document preparation, and settlement preparation.  ### Sample Documents Click the links below to take a look at sample documents that you'll receive throughout the buying process. We'll be there with you every step of the way, ensuring you know exactly what to expect. #### [Buyer Transaction Processing](https://docs.google.com/document/d/1_aTlwoq8JC-Ayw51kc0XBlyIVj8wGQyR/edit?usp=sharing&ouid=100904429199459712736&rtpof=true&sd=true) #### [Seller Conveyancing Form](https://docs.google.com/document/d/1eaduVT0uHYB69c0XcMBcIeAOK0duVun0/edit?usp=sharing&ouid=100904429199459712736&rtpof=true&sd=true) #### [ALTA Example](https://drive.google.com/file/d/1puvNxAkWJhyvgP5duw03Py8C-NNhKfIp/view?usp=sharing) #### [Enhanced vs. Standard Title Insurance](https://drive.google.com/file/d/1yehso3Vos_ed9NahoZPw4XRFl59mEDH5/view?usp=sharing) #### [Title Commitment](https://drive.google.com/file/d/1irawxzMpz_qMFwHqFRs6F7TQg0xjAnWT/view?usp=sharing) ### Have more questions about title insurance or the market in Montgomery County? **We can help.** [Let's Connect](https://www.moments.realestate/schedule) We use cookies to enhance your browsing experience and deliver our services. By continuing to visit this site, you agree to our use of cookies. [More info](https://www.moments.realestate/privacy-policy) OK Facebook logout
