Title insurance protects the insured from claims against real property arising from title-related defects. Unlike other kinds of insurance that protect against losses from future events, title insurance affords protection from past events that may or may not be part of the public records but that can adversely affect an owner’s interest in the real estate. Title insurance protects against matters of public record along with hidden title defects, such as fraud, forgery, incompetency, or missing heirs, that even the most diligent title search may not discover. In most instances, a lender requires a borrower to secure a title insurance policy to cover the lender’s interests. For more information, please see our FAQ (link to FAQ page).