{"id":26913,"date":"2024-09-13T06:00:22","date_gmt":"2024-09-13T13:00:22","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=26913"},"modified":"2026-04-07T10:19:51","modified_gmt":"2026-04-07T17:19:51","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":"<p>Your buyer is asking you to pay for their title insurance, but this policy protects them, not you \u2014 so what gives?<\/p>\n<p>In some states, it\u2019s customary for <a href=\"https:\/\/www.homelight.com\/blog\/who-pays-closing-costs-when-selling-a-house\/\">sellers to pay for their buyer\u2019s title insurance at closing<\/a>. And even if it\u2019s not in yours, your buyer may negotiate for you to <a href=\"https:\/\/www.homelight.com\/blog\/buyer-sellers-assist\/\">cover the cost as a concession<\/a> to sweeten the deal.<\/p>\n<p>We\u2019ll walk you through everything you need to know about title insurance with help from top New Jersey real estate agent <a href=\"https:\/\/www.homelight.com\/agents\/adam-dannunzio-nj-1221988\">Adam D\u2019Annunzio<\/a>, who sells homes 54% quicker than the average agent in his Ocean City market.<\/p>\n<p>\n\n\n\n\n<div class=\"geo-cta widget-cta widget-cta--content     widget-cta--dark widget-cta--dark-blue-gradient\">\n    <div class=\"widget-element--content\">\n        <div class=\"widget-element--content-header\">\n            <img decoding=\"async\" alt=\"homelight logo\" class=\"widget-element--logo\" src=\"https:\/\/www.homelight.com\/blog\/wp-content\/themes\/ccprototypev5\/images\/logo-small-cta.png\" width=\"106\" height=\"25\" \/>\n        <\/div>\n        \n                <h3 class=\"cta-headline widget--bold\">Find an Agent to Help You Navigate the Paperwork<\/h3>\n                        <p>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                <div class=\"widget-element--buttons\">\n            <a data-type=\"In Content CTA\" href=\"https:\/\/www.homelight.com\/find-agent\/quiz\/seller?#\/qaas=0\/\" class=\"cta-click-track widget-element--button\">Find Agent<\/a>\n        <\/div>\n                    <\/div>\n<\/div>\n\n <div id=\"section--1\" data-toc-header=\"Title insurance protects the buyer and their lender from title issues\" data-toc-type=\"head\"><\/div><\/p>\n<h2>Title insurance protects the buyer and their lender from title issues<\/h2>\n<p>When you sell your house, you must complete a title search to identify all legal claims to the property\u2019s title. As the seller, you must resolve all liens found in the title search in order to transfer the title to the buyer. The <a href=\"https:\/\/www.homelight.com\/blog\/buyer-what-is-a-property-title-search\/\">title search<\/a> 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<p>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 <em>after <\/em>the title transfer.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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,"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":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Is Title Insurance? Coverage In the Event of Hidden Claims<\/title>\n<meta name=\"description\" content=\"Your buyer is asking you to pay for their title insurance, but this policy protects them, not you \u2014 so what gives?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.homelight.com\/blog\/what-is-title-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is Title Insurance? Coverage In the Event of Hidden Claims\" \/>\n<meta property=\"og:description\" content=\"Your buyer is asking you to pay for their title insurance, but this policy protects them, not you \u2014 so what gives?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.homelight.com\/blog\/what-is-title-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"HomeLight Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gohomelight\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-09-13T13:00:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-07T17:19:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.homelight.com\/blog\/wp-content\/uploads\/2021\/09\/what-is-title-insurance-3.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"563\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jenn Andrlik\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@gohomelight\" \/>\n<meta name=\"twitter:site\" content=\"@gohomelight\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jenn Andrlik\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"What Is Title Insurance? 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