About Title Insurance
Title Insurance protects the policyholder against financial losses resulting from defects in the title to their home. Some common examples of these defects are: open liens, judgments or other encumbrances against the real property from a previous owner. If a defect is discovered, your title insurer pays the costs to defend your ownership interests in court or the costs to fix the defect.
Harbor Title issues both owners and loan title insurance policies for purchases and refinances. You will need an owner’s policy when you purchase a home and a loan policy for any mortgage on the home.