How does title insurance differ from homeowners insurance?

While both protect your investment, the 2 insurances cover different risks. Homeowners insurance covers future physical damage like fires, storms, or theft, requiring a recurring monthly or annual premium. Title insurance protects your legal ownership against past hidden issues – such as unpaid taxes, forged deeds, or old unrecorded liens. It requires only a single, one-time fee at closing and protects you for as long as you own the property. Together, title insurance and homeowner’s insurance provide complete, end-to-end protection for your home.