Should I purchase a fee policy of title insurance? If my attorney does his/her job properly, why would I need it?

Updated March 13, 2023.

It is always beneficial for the buyer of a home to purchase a fee policy of title insurance. Although your attorney may be in a position to review and approve the title you are acquiring when you purchase a property, he/she is not in a position to guarantee that problems will never arise with respect to the title to the property you have purchased. This is not a reflection on the ability of your attorney, since there are potential problems that may arise that cannot be determined at the time of your purchase. Therefore, even if your attorney does his/her job perfectly, certain legal situations may arise that could jeopardize your claim to title to your property. A fee policy of title insurance is the best way to guard against any potential financial loss as a result of any such unforeseen situation. Your attorney can advise you of the cost of a fee policy of title insurance and can assist you in obtaining such a policy.


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