{"id":26913,"date":"2026-06-22T04:00:22","date_gmt":"2026-06-22T11:00:22","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=26913"},"modified":"2026-06-22T07:15:28","modified_gmt":"2026-06-22T14:15:28","slug":"what-is-title-insurance","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/what-is-title-insurance\/","title":{"rendered":"What Is Title Insurance? Coverage In the Event of Hidden Claims"},"content":{"rendered":"

There\u2019s a moment in nearly every home sale when the excitement of an accepted offer shifts into piles of paperwork and last-minute questions you didn\u2019t expect. Underneath all of it is the home\u2019s title,<\/a> the legal right that confirms you can transfer ownership to someone else. Most sellers don\u2019t think about it until someone starts asking for more documents<\/a> than expected. Somewhere in the middle of the organized chaos, you find yourself asking, \u201cWhat is title insurance?\u201d<\/p>\n

It sounds technical, almost optional, but it\u2019s treated like a standard part of getting to closing<\/a>. In this article, we walk you through everything you need to know about title insurance with help from top New Jersey real estate agent<\/a> Adam D\u2019Annunzio<\/a>, who sells 68% more single-family homes than the average Ocean City agent.<\/p>\n

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\n \"homelight\n <\/div>\n \n

Find an Agent to Help You Navigate the Paperwork<\/h3>\n

Selling real estate is a complex task. A top real estate agent can serve as an invaluable transaction coordinator during steps like the title search and deed transfer.<\/p>\n \n

\n Find Agent<\/a>\n <\/div>\n <\/div>\n<\/div>\n\n
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What is title insurance?<\/h2>\n

When you sell your house, you must complete a title search<\/a> to identify all legal claims to the property\u2019s title. As the seller, you must resolve all liens<\/a> found in the title search in order to transfer the title to the buyer. The title search may reveal 30 to 50 years\u2019 worth of the property\u2019s history and should uncover any mortgage liens, rightful heirs, filing errors, current deed holders, deed restrictions, or forgeries, to name a few.<\/p>\n

The keyword here is \u201cshould\u201d because title searches are not 100% foolproof. Even the most skilled title professionals may not uncover title issues due to filing errors, forgeries, or undisclosed heirs. That\u2019s where title insurance comes in. The title insurance policy protects the buyer and their lender from any title issues discovered after the title transfer.<\/p>\n","protected":false},"excerpt":{"rendered":"

Your buyer is asking you to pay for their title insurance, but this policy protects them, not you \u2014 so what gives?<\/p>\n","protected":false},"author":272,"featured_media":48048,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","cybocfi_hide_featured_image":"","footnotes":""},"categories":[322,341],"tags":[],"class_list":["post-26913","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-logistics","category-closing"],"acf":[],"yoast_head":"\nWhat Is Title Insurance? 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