Title Insurance Forms | Valuable Resources Raleigh

Title insurance protects your home’s ownership from hidden issues like unknown liens, errors in public records, or ownership disputes. You pay for it once at closing, and it lasts as long as you (or your heirs) own the property, so you can be confident your home is truly yours.

What does title insurance protect you from?

Title insurance protects you from hidden problems with your home’s ownership, such as unknown liens, errors in public records, or ownership disputes. It gives you confidence that your property rights are secure, so you can enjoy your home worry-free.

How much does it cost?

The cost of title insurance is usually based on the purchase price of your home. It’s a one-time fee paid at closing, not a recurring monthly payment, and the exact amount can vary depending on your state and the title company.

For more specific rates, check out this Rate Calculator.

What are the different types of policies?

There are two types of title insurance policies:

Owner’s Policy: Protects the buyer’s ownership interest against title issues that existed prior to purchase.
Loan Policy: Protects the lender’s secured interest for the life of the loan.

How does a Standard Owner's Title Policy differ from an Enhanced Owner's Title Policy?

Standard vs. Enhanced Owner’s Title Insurance

A standard owner’s title insurance policy covers common title issues that may have existed before you bought your home, such as unknown liens, recording errors, or ownership disputes.

An enhanced owner’s title insurance policy includes everything a standard policy covers, plus extra protection for certain issues that can come up after closing, like building permit problems, boundary or encroachment matters, and access-related issues.

Bottom line, a standard policy covers the basics, while an enhanced policy offers expanded protection designed to grow with your home.

When does my title insurance policy go into effect?

A loan title insurance policy takes effect at closing, once the mortgage or deed of trust is recorded in the public records. An owner’s title insurance policy takes effect at closing when the deed is recorded and ownership transfers to the buyer. It helps protect the owner from title issues that may have existed before the purchase, for as long as they have an interest in the property.

How long does a title insurance policy last?

A loan title insurance policy lasts for the life of your mortgage. It protects the lender’s interest in the property until the loan is fully paid off. An owner’s title insurance policy lasts as long as you (or your heirs) own the property. It protects you from title issues that existed before you bought your home.

Who do I contact if I have a title insurance issue?

Contact your real estate lawyer or your title agent. If you are already on this site, we hope that your title agent is, or will be, Secure Title. We take pride in our service and our ability to handle client concerns with our expertise.

Why should I choose Secure Title?

Buying or refinancing a home is a big deal—and choosing the right title company matters. At Secure Title, we don’t just issue title insurance; we guide you through the process with care, clarity, and confidence. Our experienced team delivers accurate, thorough title work while keeping communication clear and straightforward. You’ll receive responsive, personal service from professionals who treat your transaction with the attention it deserves. The result is a smooth, stress-free closing and the confidence that your property ownership is protected.