Title Insurance Guide With Rosalie Frazier

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 Rosalie Frazier , by your side, you can move forward knowing your investment is protected from day one.

Contact Me

What Is Title Insurance?

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.

Who Is Protected by Title Insurance?

Title insurance can protect:

Home buyers (owner’s policy)
Mortgage lenders (lender’s policy)
Or both

Coverage applies to resale homes, new builds, condos, and vacation properties.

Is Title Insurance Required?

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.

Contact Me Anytime

We provide our agents with an easy, effective turnkey website solution.

Take your real estate lead generation online, with a full-featured real estate agent website! Connect to prospects, offer valuable features & real estate marketing tools, and showcase all listings with style. Social Media Integration allows visitors to share your property listings online with 250+ popular social media websites, while our Daily Email Alert Service delivers listings right to your prospects inbox, to bring you more leads. Even get perks like a domain name email and free website training!

Boost your website traffic with built-in SEO tools, to attract new business, build clientele, and drive sales. Leads tools, like Guest Tracking, help you better understand your prospects, by tracking and reporting their property viewing history. Lead follow-up is easy with branded email campaigns and a client manager. Offer your buyers and sellers a complete, IDX-enabled real estate marketing system today to generate more qualified leads!

Get Exploring

Check out our map search, lead generating forms (Dream Home Finder, Free Home Valuation, Daily Email Alerts, etc.), visitor resources, and more. Try out our different website themes by clicking on the thumbnail images displayed at the top of your page. With our flexible backend management system, you can change your website theme and styling at any time with the click of a button.

Title Insurance: Covered vs. Not Covered

Understanding your coverage helps you avoid costly surprises after closing.

What Title Insurance Typically Covers?

Unknown title defects
Unpaid liens or prior mortgages
Ownership claims from unknown parties
Fraud or forgery related to title
Errors in public records or surveys

What Title Insurance Does Not Cover

Issues disclosed before closing
Problems that arise after the policy date
Environmental hazards
Indigenous land claims

Still have questions ? Rosalie Frazier is happy to walk you through your options and connect you with the right professionals.

Ask About Title Insurance

Note: Coverage varies by provider and policy type. Always confirm the specifics of your policy.

Find Homes That Fit Your Needs — Featured Listings by Isabella Anderson

36 Lilywood Drive
33Cambridge
$650,000 Read More
103 - 345 Fisher Mills Road
22Cambridge
$423,900 Read More
#26 - 570 Linden Drive
33Cambridge
$649,900 Read More
13 - 416 Dundas Street S
33Cambridge
$2,699/MO Read More
110 Milton Avenue W
32Cambridge
$799,900 Read More
348 Equestrian Way
43Cambridge
$1,199,999 Read More
195 GREEN VISTA Drive
5 + 14Cambridge
$1,025,000 Read More
54 - 635 Saginaw Parkway
34Cambridge
$719,900 Read More
22 Crestwood Drive
42Cambridge
$864,900 Read More
118 Old Mill Road
53Cambridge
$1,900,000 Read More
43 Middleton Street
42Cambridge
$599,900 Read More
118 Old Mill Road
3 + 23Cambridge
$1,900,000 Read More
11 - 115 Saltsman Drive
4877 sqftCambridge
$15.75/sq ft Read More
12 Todd Street
41Cambridge
$599,900 Read More
31 - 143 Ridge Road
33Cambridge
$2,500/mo Read More
127 Chopin Drive
3 + 11Cambridge
$499,900 Read More
43 Middleton Street
42Cambridge
$599,900 Read More
91 - 143 Elgin Street N
33Cambridge
$599,900 Read More
153 ST ANDREWS Street
53Cambridge
$749,000 Read More
196 MYERS Road
3 + 13Cambridge
$799,900 Read More

When Does Title Insurance End?

Understanding the duration of your title insurance helps you stay protected when it matters most.

Quick Tips For Buyers

Ask your lawyer about owner and lender policies
Review covered and excluded risks carefully
Protects ownership rights, not physical damage

If you’re exploring distressed properties or foreclosure opportunities, understanding title risks is especially important.

View Foreclosure Listings

Coverage & Timing

Owner’s policy starts at closing and lasts as long as you own the property
Lender’s policy: Ends once the mortgage is fully paid
Payment: One-time cost paid at closing

Why It Matters

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.

Have Questions?

Name: *

Last Name: *

Phone:

Email: *

Message:

I am a:* (select up to 2 categories)

BUYER

SELLER

RENTER

OTHER

Disclaimer By entering my contact information I give my express consent to be contacted by 'Emma Roy, InCom Demo New Office' and or real estate salespeople on behalf of 'InCom Demo New Office' to discuss potential services.

Emma Roy

Sales Representative

InCom Demo New Office