What Is Title Insurance and Why Do You Need It?

By Leonardo Rostoker

When you’re buying a home or commercial property, there’s a lot to think about—mortgages, inspections, negotiations, closing costs, and more. But one critical piece often gets overlooked until the last minute: title insurance. At Go Go Titles, we believe in educating and protecting our clients every step of the way, so let’s break down what title insurance is—and why it’s essential to your real estate transaction.

What Is Title Insurance?

Title insurance is a specialized type of insurance that protects property buyers and mortgage lenders from financial loss due to defects in the property’s title. The “title” refers to your legal ownership of the property. Before any closing takes place, a title company like Go Go Titles performs a title search—a thorough review of public records—to ensure the seller has the legal right to sell the property and that there are no liens, disputes, or encumbrances.

Despite our best efforts, some issues may go undetected or arise after the sale. That’s where title insurance comes in. It serves as a safety net, covering legal fees or financial losses if a title issue surfaces after closing.

Common Title Issues That Title Insurance Covers

• Unknown liens (from unpaid property taxes, contractor bills, or past debts)

• Errors in public records

• Undisclosed heirs who may have legal claims to the property

• Forgery or fraud in prior documentation

• Boundary or survey disputes

Why You Need Title Insurance

Buying real estate is likely one of the biggest financial investments you’ll ever make. Title insurance offers peace of mind—protecting your ownership rights and ensuring you don’t inherit someone else’s legal or financial problems.

There are two main types of title insurance:

• Owner’s Policy: Protects you, the buyer, for as long as you own the property.

• Lender’s Policy: Required by most lenders to protect their interest in the property until the mortgage is paid off.

While only the lender’s policy may be required, the owner’s policy is optional—but highly recommended. Without it, you could face costly legal battles or even lose your property.

Why Choose Go Go Titles?

At Go Go Titles, we’re not just about processing paperwork—we’re about protecting your future. Our experienced team performs meticulous title searches, resolves issues proactively, and ensures your closing goes smoothly and securely.

We combine expertise, efficiency, and transparency to give you the confidence you need when making a major investment. With Go Go Titles by your side, you’re not just buying property—you’re buying peace of mind.

Ready to close with confidence?

Let Go Go Titles take care of the details while you focus on your new beginning.📞 Contact us today to learn more or get started with your title order.

👉 Visit our website at www.gogotitles.com or call us at (833) 358-6544.