Why Title Insurance?

Why buy title insurance? To protect one of the most important investments you will ever make - the investment in your home. Owning real estate is one of the most precious values of freedom in this country. You want the assurance that the property you are buying will be yours. Other than your mortgage holder, no one else should have any claims or restrictions against your home.

Title insurance is issued after a careful examination of the public records. But even the most thorough search cannot absolutely assure that no title faults are present, despite the knowledge and experience of professional title examiners. In addition to matters shown by public records, other title problems may exist that cannot be disclosed in a search. Title insurance eliminates any risks and losses caused by faults in title from an event that occurred before you owned the property.

Title insurance is different from other types of insurance in that it protects you, the insured, from a loss that may occur from matters or faults from the past. Other types of insurance such as auto, life, or health cover you against losses that may occur in the future. Title insurance does not protect against any future faults, but does protect you from risks or undiscovered interests. Another difference is that you pay a one-time premium for a policy that remains effective until the property is sold to a new owner - even if that doesn't occur for decades.

  • Lender's Policy
  • Owner's Policy
  • Why the Seller needs to Provide Title Insurance?
  • Why the Buyer needs Title Insurance?
  • How Much Does Title Insurance Cost?
  • What does Title Insurance Protect From?



Professional, knowledgable staff. Great communication with clients. Definitely recommend.


Professional, efficient, courteous to our clients. Overall, exceptional experience with Group 21 Title! Closing was smooth from start to finish, everyone involved communicated well and my client was thrilled!


Thank you for all your help with our closing! Very professional, and made it such a smooth transaction. Best in South Jersey, you have my vote!


Excellent professional group. Dina was awesome she helped me get through all the road blocks that the bank threw at me.