Simple answer is- Title insurance protects real estate owners and lenders against any property loss or damage they might experience because of liens, encumbrances or defects in the title to the property. Each and every title insurance policy is subject to specific terms, conditions and exclusions.
What exactly title insurance does is protects against claims from defects. Defects are things such as another person claiming an ownership interest, improperly recorded documents, fraud, forgery, liens, encroachments, easements and other items that are specified in your specific title insurance policy.
So what makes title insurance different from other types of insurance i have? Well insurance such as car, boat, life, health all protect against potential future events and is paid with monthly or annual premiums. A title insurance policy insures against events that occured in the past of the real estate property and the people that owned it, for a one time premium paid at the close of escrow.
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