Title Insurance 101: What Every Spring Buyer Should Know

Spring is one of the most popular seasons for home buying, and if you're gearing up to
purchase a home, chances are you're knee-deep in paperwork, inspections, and decisions.
Amid all the excitement, one essential item that should never be overlooked is title insurance.
Whether you're a first-time homebuyer or a seasoned investor, understanding what title
insurance is (and why it matters) is key to protecting your investment for the long term.

Here’s what every spring buyer should know before heading to the closing table.

What Is Title Insurance?
Title insurance is a policy that protects homebuyers and lenders from financial loss due to
defects in a property's title. These defects can include issues like:

• Unknown liens or unpaid taxes
• Errors in public records
• Undisclosed heirs
• Fraud or forgery
• Boundary disputes

Unlike most insurance policies that protect against future events, title insurance covers issues
from the past that could affect your right to legally own or use the property.

According to the American Land Title Association (ALTA), one out of every three real estate
transactions encounters a title issue that must be resolved before closing. Without title
insurance, these problems could become your financial responsibility.

Why Is Title Insurance So Important in the Spring Market?
Spring is a hot market. Homes sell faster, there’s more competition, and buyers are moving
quickly. With deals closing rapidly, it’s easy to overlook critical details in an effort to "win" the
home. That’s where title insurance becomes even more important—it ensures that once you’ve
secured the home, it’s truly yours.

Reasons why spring buyers need title insurance:
Fast-moving market = higher risk of missed issues

More listings = more complex ownership history

Peace of mind in an already stressful season

Types of Title Insurance
There are two main types of title insurance:

1. Owner’s Title Insurance
This policy protects you, the buyer. It covers legal fees, losses, or claims against your property
related to ownership disputes or hidden issues.

2. Lender’s Title Insurance
This is required by most mortgage lenders and protects the lender’s investment in the property.
It does not protect the buyer.

💬 Pro Tip: Owner’s title insurance is optional but highly recommended—and in some cases, it’s
a small price to pay for long-term peace of mind.

What Does Title Insurance Cover?
Here are a few examples of what a typical owner’s title insurance policy may protect against:

• Mistakes in legal documents or public records
• Unreleased mortgages or liens from previous owners
• Forged signatures on deeds
• Undisclosed easements
• Boundary disputes or survey issues
• Legal expenses if a claim is made against your title

How Hub City Title Protects You
At Hub City Title, we know how important it is to close with confidence. Our in-house title
examination team performs thorough title searches to uncover any potential issues before you
get to the closing table. We work directly with you and your real estate agent to ensure
everything is in place, so your transaction is seamless and protected.

💬 “We believe the best way to provide comprehensive information on a property is by standing
side-by-side with our customers.” – Hub City Title Team

With our local expertise and fast turnaround, you’ll spend less time worrying and more time
enjoying your new home this spring.

Don’t Spring Into Homeownership Without Title Insurance
Buying a home is one of the biggest investments you'll ever make. Protect it with title insurance.
Whether you're buying a cozy starter home or your dream forever space, title insurance gives
you peace of mind that no one else has a claim on your property.

Ready to close with confidence?
Contact Hub City Title today and let us guide you through the process, from contract to closing,
with security, service, and a smile.