What is typically covered by title insurance?

  • Another person or entity having an ownership or other interest in your property whether or not it appears on the registered title;
  • Any mortgage or lien affecting the property;
  • Any lien resulting from a court judgment, property tax arrears or public utility arrears;
  • Any unregistered hydro easement;
  • Any improperly completed, signed or registered documents;
  • The invalidity of your title due fraud, forgery, duress, incapacity or impersonation;
  • Forgery of a document after the policy takes effect under which another party claims an interest or lien against your title;
  • An expropriation of all or part of your property;
  • The lack of a right of access to and from your property;
  • Your inability to legally require another party to complete a purchase of or extend a mortgage loan upon the property due to your title being unmarketable or to an infraction or adverse matters which would have been revealed by an up-to-date survey of the property;
  • Your inability to use your property as a single or multi-family residence as provided for in your agreement to purchase the property; and
  • An encroachment or building setback deficiency which you are forced to remedy by a court or other authority (other than any involving a fence or boundary wall).

As illustrated above, title insurance provides protection against the vast majority of title defects and other related legal risks likely to arise upon the purchase of a home. Like all insurance, it doesn’t protect against every potential title-related loss but rather against those which occur most frequently.

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