When you buy a home, you’re not just purchasing the property — you’re securing the legal right to own it. Title insurance helps protect that ownership from unexpected legal or financial issues after closing. With Alfred Yue, by your side, you can move forward knowing your investment is protected from day one.
Title insurance is a one-time insurance policy that protects your ownership of a property from past issues tied to the title. Even with a thorough title search, certain problems can remain hidden and surface later. Unlike home insurance, which protects against future damage, title insurance protects against pre-existing title defects — for as long as you own the property.
Title insurance can protect:
Coverage applies to resale homes, new builds, condos, and vacation properties.
If you’re buying with a mortgage, lenders require title insurance to protect the loan amount. This lender’s policy remains active until the mortgage is fully paid off. Owner’s title insurance is optional but strongly recommended. It protects you — not the lender — and is paid once at closing, with no ongoing premiums.
If you’re unsure about title insurance or how it fits into your purchase, I’d be happy to walk you through your options and explain what’s right for your situation.
I am a full time Registered Real Estate saleperson. Member of Toronto Real Estate Board, Ontario Real Estate Association and Canadaian Real Estate Association. I will gives you the local scoop about houses for sale, apartments for rent, neighborhood insights, and real estate markets and trends to help you figure out exactly what, where, and when to buy, sell, or rent. I am always just a phone call away (416) 567-8830 or a click of an email if you need help. No pressure, no hassles.
Understanding your coverage helps you avoid costly surprises after closing.
Still have questions ? Alfred Yue is happy to walk you through your options and connect you with the right professionals.
Note: Coverage varies by provider and policy type. Always confirm the specifics of your policy.
Understanding the duration of your title insurance helps you stay protected when it matters most.
If you’re exploring distressed properties or foreclosure opportunities, understanding title risks is especially important.
Knowing how long each policy lasts helps protect you from unexpected issues. The lender’s policy safeguards the mortgage, while the owner’s policy protects your ownership for as long as you own the property. If a covered title issue arises, the policy pays legal fees and expenses to defend your title, providing long-term peace of mind.
Contact me today so I can help you understand your insurance options and prepare the right plan to protect your new home.
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