When you purchase a home, a building, or vacant land you must have a complete investigation made on every aspect of the title to the property. This investigation will reveal the owners of the property as well as any existing encumbrances (mortgages, easements, restrictions, etc.).
Land Title offers two different kinds of title insurance: Lender's and Owner's Policies. Lenders will require that you purchase a Lender's Policy to protect their interest. This policy does not protect you; for this you need an Owner's Policy.
An Owner's Policy protects you against losses that may occur from a defect in your ownership or interest you have in the property. As a title insurer we will defend your interest against any covered claim.