Owner’s title insurance protects your ownership rights in your property. Purchasing your home is a huge investment and you should take every precaution to protect it, that includes owner’s title insurance. Owner’s title insurance protects you from past events that are connected to your title. Typically, title issues are caught before you reach the closing table to sign documents, however, there can be issues that arise after closing that did not show on the title report. Some examples may be an easement that was never recorded, encroachments, invalid or fraudulent probate of estates, mechanic’s liens, property line disagreements, and mistakes in the public records. If you do not have owner’s title insurance and there is a claim against your title, you will have to pay to litigate against the claim and may incur additional losses. Owner’s title insurance can protect you against these claims. The owner’s title insurance company may pay the costs to defend against a title claim and any losses. Owner’s title insurance is not required, but it is highly recommended. Title insurance is a one-time fee that is paid at closing, but gives you continual peace of mind.