Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Obtaining online title insurance is a quick and easy way to establish a policy. You can still make the phone call and speak with an agent or broker directly, but many websites make it simple enough for anyone to fill out a policy application.

Title insurance ensures that you own your real estate investment without any discrepancies, encumbrances or liens against the property.

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A title search is required by all lenders in a real estate transaction. This is a necessary step in the process. As the purchaser the expense is passed on to you, and will add approximately 1% to your closing costs.

The Importance of Online Title Insurance

When real estate is sold to a new owner it should be sold with a clear title. Clear title says that there is no one else who has interest or ownership in the property.

Although mortgage companies ensure this step is adhered to, there are instances where knowledge of encumbrances or discrepancies in the title slips through the cracks. Here are some examples:

  • If an inherited property is owned by several siblings, it creates a classic situation for a sale without all the proper signatures. The possibility of the reemergence of a long lost sibling/owner is then possible.
  • Mechanics liens are also very common title encumbrances. Work is performed to the property and there is an issue with payment. Contractors are allowed to place a lien against the property which transfers with the property until paid or resolved in court.

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How Online Title Insurance Companies Research the Title

Researchers are hired for the specific purpose of searching property titles. Sometimes there are tax liens against property that are in jeopardy of foreclosure. A trip to the courthouse property records room will reveal any public liens against any real estate in that jurisdiction.

If the property is in the city, the researcher must go to the city courthouse property records room for information on the subject property. Suburban and rural property records are located in their respective courthouses.

The property’s history is traced all the way back to the original owner for any inconsistencies. Marriages, deaths, inheritances, and taxes are included. Researchers also take a look at the survey to identify public easements and access to other property via the subject property.

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Included in Online Title Insurance

Included in online title insurance is reassurance. A title insurance policy lasts throughout the life of the loan. So, if you refinance, you will have to generate a new policy. If you sell the property the property continues to protect you against claims that may crop up in the future. That long lost relative could show up and claim that they are entitled to some of the proceeds long after you have sold the house and moved on.

Online title insurance protects against other potential issues like:

  • Signatures
  • Restrictive covenants
  • Fraud
  • Erroneous recordings

All signatures must be original and authentic. If restrictive covenants prohibited painting your townhouse pink, it could present a problem in conveyance until corrected. While any misrepresentation is indicative of fraud, erroneous recordings at the courthouse could happen unintentionally after a closing.

How to Choose an Online Title Insurance Company

In choosing an online title insurance company you should do a little background check to determine the reputation of the company. Like any insurance company title insurance carriers are subject to graded ratings by companies who assess them for their financial, and customer service standing in the industry. The lowest rate may not offer the best protection.

Since title insurance is a one time fee, the savings will strictly depend on the choice of online title insurance carriers. In some cases there may be a savings in allowing a title and escrow company to perform the closing. It is cheaper than using a lawyer in most cases. The outfit can perform the title search without hiring an outside researcher and perform the closing. The combination of services will shave hundreds of dollars off of your closing costs. Another possibility is to have the seller pay part of your closing costs to include title insurance.

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Where to Find Cheap Online Title Insurance

Most companies want to attract potential business to their website. To attract hits they may offer discounts if you purchase via the website as opposed to over the phone. This may save them time and expense. If they check out to be reputable, their automated services may result in cheap online title insurance for you.

Online title insurance quotes are available with only your zip code! Enter it now.