Insurance for things that already happened.
Most insurance is a bet about the future. You buy car insurance because of an accident that hasn't occurred, life insurance for a day that hasn't come. Title insurance is the strange and brilliant exception: it protects you against the past.
A previously undisclosed heir. A forged signature three owners ago. An easement nobody recorded. A tax lien that was never quite resolved. These are events that have already happened — you simply don't know about them yet. And if one surfaces after you've bought your home, it can threaten your ownership of it.
A title insurance policy is, in essence, the result of a very thorough investigation followed by a promise. First, TTG Title Group performs a meticulous title search across Washington, D.C., Maryland, and Virginia records to surface anything hiding in a property's history. Then we insure against what even a careful search might miss. It's a one-time premium for a lifetime of quiet — one of the few purchases you make precisely so you never have to think about it again.
Lender's Policy
Required by your lender. Protects the lender's investment in the property until the loan is paid off. Coverage shrinks as the loan balance shrinks.
Owner's Policy
Optional but recommended. Protects your equity for as long as you or your heirs own the property. We'll explain the difference in plain English and make sure you're covered for the part that's actually your home.