Frequently Asked Questions

What is title insurance and why do I need it?

Title insurance protects you from financial losses caused by issues in the title—such as liens, errors in public records, or fraud. It’s a one-time cost at closing that ensures you have clear ownership of your property.

What causes title defects?

Common title issues include:

  • Unknown heirs

  • Forged or incorrect documents

  • Unpaid taxes or liens

  • Clerical errors

  • Misfiled deeds

Is title insurance required?

While not legally required, lenders almost always require a policy. Buyers are strongly encouraged to secure their own for added protection.

How much does it cost?

Rates are set by the Texas Department of Insurance and based on the property’s sale price. You pay once and are covered for as long as you or your heirs own the property.