Why Title Insurance?
Here’s What You Get With Title Insurance
A one-time premium that protects your ownership rights and equity for life.
What Is Owner’s Title Insurance?
Owner’s Title Insurance safeguards your legal ownership from defects or claims that originate in the property’s past. If a covered issue arises after closing, your insurer covers defense costs and losses.
Why It Matters
A lender’s policy protects the bank’s interest. An Owner’s Policy protects your equity — the investment you’ve worked hard to build. Without it, you may face the full cost of defending a claim or correcting a title
issue on your own.
Hidden Title Risks
- Forgery or fraud in prior documents
- Unknown heirs or missing signatures
- Recording or clerical errors
- Boundary disputes or encroachments
- Unreleased liens
- Improperly probated wills
What The Policy Does
- Pays legal defense fees for covered title claims
- Reimburses covered losses
- Backs the title search and recording with a corporate guarantee
- Coverage lasts as long as you or your heirs own the property
What The Policy Does
A lender’s policy protects the bank’s interest. An Owner’s Policy protects your equity — the investment you’ve worked hard to build. Without it, you may face the full cost of defending a claim or correcting a title
issue on your own.
The Lighthouse Advantage
Lighthouse Title Insurance delivers national strength with a community focus — responsive underwriting and direct access to experienced counsel. Our mission is to make title protection simple, transparent, and reliable for every client.
