Title Protects

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There are a number of online resources that can help homebuyers navigate the process. The American Land Title Association, alongside our real estate industry partners, are committed to making transactions easier for everyone through consumer education efforts.

The title insurance industry — alongside our industry partners — has made it a priority to help more Americans benefit from homeownership by making the process more affordable and accessible.

Title issues don’t always show up during searches when you’re about to buy a house. An owner’s title insurance policy protects you if — down the line — your property rights are challenged by unexpected issues.

I’m buying the home I’ve rented for five years from my friend and landlord. It’s an off market, all cash transaction. Do I really need to purchase title insurance? I’m not even sure what it is. It seems like just another added expense.

By understanding the purpose and benefits of conducting title searches, both buyers and sellers can make informed decisions and protect their interests when dealing with real estate transactions.

HousingWire Editor in Chief Sarah Wheeler talks with reporter Brooklee Han about title insurance alternatives, including attorney opinion letters (AOLs) and how those are being received by the industry. During one part of the podcast, Han said, "The lenders definitely have to have a bit of an appetite for gambling, if they want to use this option or feel willing to accept an AOL in lieu of title insurance.”

Personal finance personality Dave Ramsey says when buying a home for the first time, there are many things to consider. "Always get title insurance. Always! If you're buying a piece of property that’s not a traditional subdivision-type lot, have a survey done."