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What is title insurance, and why do I need it when purchasing a property? 

Title insurance is a very unique insurance policy that protects your ownership in real property — in most cases, your home. Unlike other policies, title insurance protects the owner from past errors related to ownership history rather than future risks such as fire, flood or other physical damages. Title coverage is based on the careful research of past ownership records and is designed to address any overlooked or outstanding issues prior to your taking possession of your property.

How does title insurance differ from homeowner's insurance or other types of property insurance? 

Title insurance primarily focuses on protecting against title defects and ownership issues, while homeowner's insurance covers damage to the property and personal liability. They serve different purposes in safeguarding your investment.

What is a title search, and how does it relate to title insurance? 

Once a real estate contract is executed the team at McKnight will perform a title search to investigate public records and determine the history of a property's ownership. We will identify and resolve any issues before issuing a policy and closing your transaction. 

How much does title insurance cost, and when is it typically paid for during a real estate transaction? 

The cost of title insurance is set annually by the Texas Department of Insurance (TDI), not the title company. It is a one-time premium paid during the closing of a real estate transaction. The party responsible for paying for title insurance is negotiated when a real estate contract is executed.  

What does title insurance cover, and what doesn't it cover? 

Title insurance covers issues such as unknown liens, fraud, forgery, and errors in public records. It does not cover property damage or personal liability claims.

How long does a title insurance policy last, and is it transferable if I sell the property? 

Owner's title insurance typically lasts as long as you or your heirs have an interest in the property. It is not transferable; the new owner will need to purchase their own policy.

What happens if a title issue arises after I've purchased a property with title insurance? 

If a covered title issue arises, McKnight Title will provide legal defense and financial protection, potentially covering any losses related to the issue.

Can you provide information about the title company's underwriting process and the research involved in issuing a policy? 

Your team at McKnight will conduct extensive research on property records to identify any potential issues with the title. This research helps us underwrite and issue policies to get your transaction closed.

Do I need to purchase title insurance if I'm buying a newly constructed home? 

Yes, title insurance is still essential when buying a newly constructed home. It protects against any title issues that may have arisen during the construction process.

How can I get a quote for title insurance, and what documents or information do you need from me to provide an accurate estimate? 

You can request a quote by clicking the link below and entering some basic information about your transaction. If you have any questions, please reach out to your McKnight Title team and we are more than happy to assist you with this. 



  • A summarized history of a property's ownership and encumbrances, typically prepared by a title company. 

  • The individual or entity that receives the benefits of a trust or a deed of trust.

  • The complete history of property ownership, showing the sequence of conveyances.

  • The final step in a real estate transaction where the buyer and seller sign necessary documents and transfer ownership.

  • Fees and expenses incurred by both buyers and sellers during the closing process.

  • A legal document that transfers property ownership from one party to another.

  • A legal document used to secure a loan on a property, involving a trustor, trustee, and beneficiary.

  • A right to use or access another person's property for a specific purpose.

  • A claim or liability on a property that can affect its title, such as mortgages, liens, or easements.

  • The legal process through which a lender reclaims a property due to a borrower's default on a mortgage.

  • A property with no liens, encumbrances, or claims on its title. 

  • A legal claim against a property used to secure a debt or financial obligation.

  • Title insurance policy that protects the lender's interest in the property.

  • A map of a subdivision, showing property boundaries, lots, streets, and other relevant details.

  • A professional measurement of a property's boundaries and features.

  • Land and everything attached to it, including buildings and improvements.

  • A document in which the seller discloses any known issues or defects with the property.

  • A large piece of land divided into smaller lots or parcels for development.

  • Legal ownership of a property.

  • A business that examines and insures titles for real estate transactions.

  • A policy that protects the buyer and lender against potential title issues.

  • The process of investigating the history of a property's title to determine its ownership and any potential issues.

  • The process of evaluating a borrower's creditworthiness and the property's value to determine loan approval.

  • A deed that provides the highest level of protection to the buyer, ensuring that the seller owns the property free and clear.

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