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There are many things that happen on a day-to-day basis that can affect you or your home. What can we say? Life happens. So why not be insured for life’s mishaps? Getting both title insurance and homeowner’s insurance covers you on practically every front when it comes to owning a home.

What is title insurance? Can it really help me?

Title insurance serves as protection against any liabilities on the ownership of your property and is are available to homebuyers every time they purchase property. Also known as a risk policy, your policy will cover you from the time of closing to any event that has happened in the past. Unlike most other types of insurance, it’s a one-time fee.

Getting title insurance is one of the most crucial steps homebuyers take when closing on a property. With title insurance, you can rest assured that your claim to the property is protected. Any title company worth their salt will be able to explain what their policies cover so that clients are well-informed before signing.

What about homeowner’s insurance?

A homeowner’s insurance policy is a source of financial protection that insures the home itself and any possessions within from disasters such as flood, fire, and theft. It also serves as protection if you or a family member is legally responsible for property damage or injury to others.

In contrast to title insurance, homeowner’s insurance covers you in the event of something happening in the future, and you have to pay a monthly premium. Additionally, there are many different types of homeowner’s insurance policies. Check with your local agents to compare which homeowner policy best fits your insurance needs.


At Title Junction we care about helping you stay informed throughout your real estate transaction. Have questions? Give us a call at 239.415.6574.

In case you missed it, check out our last Title Junction post: What Is RESPA?

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