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Toll Free Phone Toll Free Fax An owner's policy protects you from others claiming to own your property or claiming a right to use your property, as well as pre-existing liens on the property. A lender's policy insures that a lender that is loaning money on a mortgage loan will have a first lien on your property as well as protecting against claims of others.

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Title insurance rates vary from state to state and can vary from company to company. Some states are "regulated" states, meaning that all rates are the same regardless of what company is issuing the title policy. Some states allow the title companies to set their own rates subject to approval of the state.

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