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Title Insurance & Why Home Buyers Need It

If you're in the process of buying a house, then you've probably heard about title insurance at least a few times. Though buying title insurance is technically optional, if you're taking out a loan to buy a home, most lenders will require you to purchase title insurance to protect them and you in the event anything happens. But what is title insurance, and how does it protect you and your property? And do home buyers really need it? Let's take a look.  What is title insurance? Title insurance protects the buyer if they are sold a home that the seller doesn't own. While some situations can be scams (like a renter posing as a seller of the house), most sellers may unknowingly sell you a home for which they don't have full property rights. Examples of this include: a spouse selling a house without the co-signature of the ex-spouse inheriting a house based on the terms of an outdated will but not under the conditions of the updated will In these circumstances, title

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