Why Do You Need Title Insurance?

November 4, 2023

Discover what title insurance is and why it's crucial protection when making the large financial investment of buying a home. Get peace of mind.

Hi there! I'm Tim Clarke, founder of the Tim M. Clarke Team - the top-selling real estate group in the Raleigh-Durham area. With over 17 years of experience helping families buy and sell homes, I've seen it all. Today, I want to explain why title insurance is so important when purchasing a home.

What is Title Insurance?

When you buy a home, you want to make sure the sellers actually own the property and have the right to sell it. Title insurance guarantees you are getting clear ownership without any hidden liens or debts tied to the home. It's like getting a clean bill of health for the home before buying it.

At my agency, we handle title insurance for all our clients. We'll work with the title company to thoroughly research the home's history and resolve any issues prior to purchase.

Two Key Title Insurance Policies

There are two key title polices my team recommends:

Owner's Policy: This covers you as the homebuyer if any disputes over ownership ever arise.

Lender's Policy: This covers the bank that financed your home loan.

You pay for title insurance once at closing.

Why Your Investment Needs This Protection

Buying a home is likely the largest investment you'll ever make. Title issues can quickly become a financial nightmare. Here are three reasons why my clients trust title insurance to protect their purchase:

  • Prevent Headaches: Title research often uncovers unpaid debts, illegal construction, and other problems. We take care of them upfront so you don't worry later.
  • Fight Claims: Even after a thorough search, legal issues could pop up years later. Title insurance shields you if someone ever contests your ownership.
  • One-Time Fee: You pay at closing, then you're covered as long as you own the home.

Title insurance lets you rest assured that your home and investment are safe.

At my agency, we handle real estate with care and integrity. My team will walk with you through the entire title process to guarantee you receive clean ownership of your perfect home.

Let's connect soon to explore your homebuying options!


As a Triangle resident for over 30 years, I've helped countless families realize their homeownership dreams. My team sells more homes in the Raleigh-Durham area than any other agency. Over my 17 year career, I've guided first-time buyers and move-up buyers, investors and developers.

Experience has taught me that purchasing a home is more than just finding the perfect floor plan. It's making sure your investment is truly protected. I've seen too many buyers skip title insurance, only to encounter financial and legal headaches that could have easily been avoided.

My advice? Don't take shortcuts. Work with a trustworthy real estate advisor who will walk with you through all aspects of the home buying process - especially securing title insurance for your new property. Vetting the title early on can uncover costly issues and prevent major stress later.

At the Tim M. Clarke Team, we handle title insurance for our clients start to finish. Our relationships with reputable title companies allow us to conduct thorough title research, remedy any problems, and guarantee you receive full, clean ownership.

If you're searching for your next home in Raleigh, Durham or Chapel Hill, let's connect. My team and I would be honored to help your family take the next step toward homeownership while ensuring your investment is properly safeguarded.

Tim M. Clarke

About the author

17 years as a Realtor in the Research Triangle, Tim seeks to transform the Raleigh-Durham real estate scene through a progressive, people-centered approach prioritizing trust & transparency.

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