Protect your investment with title insurance.

Whether you're buying a home or refinancing your mortgage, your final settlement is about more than signing all the paperwork. It’s about making the best decisions to protect you, your family, and the rightful ownership of your home.

Think of title insurance as assurance for both you and your lender. If you are borrowing money to purchase residential or commercial real estate, or if you’re refinancing an existing mortgage loan, your lender will require that you purchase a Lender Policy to protect their interests.

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Owner Policy

If you're taking out a mortgage, your lender will require you to purchase a Lender's Title Policy to protect THEIR interests. An owner's title insurance policy is like a shield that protects YOU when you buy a house. Imagine if someone showed up later and said they own part of your house or if there was a mistake in the paperwork from years ago. This policy makes sure you're safe from those problems by covering the costs to fix them. It’s a one-time payment when you buy the house, and it helps you keep your home safe for as long as you own it. Think of it as extra protection to make sure your house really stays your house!

Loan Policy

A lender's title insurance policy is like a safety net for the bank or lender that gives you a loan to buy a house. Since the lender is helping you pay for the house, they want to make sure the home’s ownership is clear, so they don’t lose money if something goes wrong—like if someone else claims they own the house or if there’s a mistake in the title. This policy protects the lender’s money until you pay off your loan. It’s a one-time cost, and it helps the lender feel safe about lending you money.

Our title insurance calculator quotes both policies with separate amounts outlined.

Common Questions About Title Insurance

What is Title Insurance?

Title Insurance is about assurance. Title Insurance is a one-time payment paid by the buyer based on the mortgage or refinance amount, and is paid at settlement as part of closing costs. This insurance policy protects the Lender, and Owner if a separate Owner’s policy is purchased, from future claims that may involve the property. With title insurance, the lender (and buyer if an Owner’s policy is purchased) will not be responsible for any legal fees associated with defending any claims, which may include the previous owners’ unpaid mortgage, back taxes, boundary line disputes or garnished wages.

How much does Title Insurance cost?

The cost of your title insurance premium, which is set by the state, will depend on whether your transaction is a purchase or a refinance, along with the location of the property.

For a purchase, the cost will be depend on the final sale price of the property and the loan amount. For a refinance, the cost will depend on the loan amount.

Each additional policy endorsements the lender requires will have an additional cost, as well as any necessary certificates, and any processing fees from the title company.

How is Title Insurance ordered?

If you have been assigned a settlement date, or if you have a signed Agreement of Sale, you’re ready to order title insurance. Select your preferred settlement company, discuss your title insurance options, and get a quote based on the property, sale price and loan amount. When you're ready to move ahead, you'll need a copy of your signed Agreement of Sale and your consent to start the title search process. Your title company will then order your title policy and begin preparations for final settlement.

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H&H is an official agent for Old Republic National Title, Fidelity National Title Group, and Stewart Title. As members of ALTA, the American Land Title Association, we follow all ALTA guidelines for best practices for title insurance companies.