Title Insurance in 2026: Owner's Policy vs Lender's Policy — What Every Homebuyer Must Decide at Closing
Title insurance protects against hidden defects in a property's ownership history — forged deeds, undisclosed heirs, unpaid liens, recording errors. Here's exactly how the owner's policy and lender's policy differ, who pays, and why skipping the owner's policy is a gamble most buyers can't afford.
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