What is the difference between owner’s and lender’s title insurance?

Owner’s title insurance protects the homeowner from financial losses or legal costs related to title disputes or defects. This one-time purchase ensures that you, as the property owner, are covered. Lender’s title insurance, on the other hand, protects only the lender's interest in the property if a title issue arises. Note that while lender’s title insurance is commonly required, owner’s title insurance is optional but highly recommended.

Is owner’s title insurance a one-time fee?

Yes, owner’s title insurance is a one-time fee paid at the time of closing. Unlike other types of insurance that require monthly or annual payments, this policy remains in effect for as long as you or your heirs hold an interest in the property. Its long-term coverage for a single upfront cost makes it a cost-effective way to protect your investment.

Do You Need Title Insurance?

Blue Pointe Title
6 days ago
3 min read

Title Insurance for Real Estate in Adrian MI

What Every Michigan Homebuyer Should Know

The process of buying a home brings excitement but it also exposes you to unknown risks. Title insurance stands as one of the most effective ways to protect yourself during the homebuying process. Blue Pointe Title operates as your local Michigan title insurance company to provide assistance to Michigan homebuyers since 2018 regarding closing costs and real estate transactions and title issues.

You’ve Found Your Dream Home—But Is the Title Truly Clear?

Your dream home exists but does the title ownership truly match what you believe?

Let's explain title insurance through a step-by-step process if you are wondering if you need it.

You’ve found your dream home. Everything looks great. Your ownership could be threatened by an unexpected issue such as an unpaid lien or a missing past owner signature.

Hidden Title Issues Could Cost You More Than You Think

Title problems that remain undiscovered will end up costing you much more than you anticipate.

Title problems such as fraud and recording errors and unpaid taxes and undisclosed heirs can emerge months or years after your closing. Your property and financial stability are at risk when you lack protection because you might need to fight expensive legal battles and lose your property ownership.

The real estate market of Michigan particularly in Adrian shows that even detailed title searches fail to detect historical problems which exist in extensive property records.

Owner’s Title Insurance: Your Best Protection Against the Unknown

That’s why owner’s title insurance exists—and why getting it is a must. Since 2018, Blue Pointe Title has helped Michigan buyers protect their investments with thorough title searches and reliable title insurance in Adrian, MI. For a one-time premium usually paid with your closing costs, you can have lasting peace of mind knowing your ownership rights are protected.

Buying a Home in Michigan? Don’t Skip Title Insurance

🏡 Are you buying a home in Michigan? Think title insurance is optional? Think again.

At Blue Pointe Title, we’re here to make sure your property rights stay secure. Don’t risk your investment by skipping an essential step.

So, do you need title insurance?

Yes—whether you're buying a house with a mortgage or paying cash. Lender’s title insurance protects the bank, but only owner’s title insurance protects you.

Lender’s Title Insurance vs. Owner’s Title Insurance: Know the Difference

There are two main types of title insurance:

Lender’s Title Insurance: Protects your lender’s financial stake in the property.
Owner’s Title Insurance: Protects you, the buyer, from any hidden title issues that could surface after closing.

Title Insurance Is More Than an Extra—It’s Essential Security

Our position as a Michigan title insurance company has allowed us to witness every possible scenario including unexpected liens and property boundary disputes. Title insurance functions as your essential protection during major life acquisitions rather than an optional extra.

You can move into your new home with complete assurance because title insurance protects you from losing your property to unexpected claims and old debts and clerical errors.

Our Adrian-based team at Blue Pointe Title works closely with homebuyers, real estate agents, and lenders across Michigan to ensure you’re protected from day one. You deserve a smooth, stress-free closing—and lifelong security in your new home.

With the cost typically rolled into your closing costs and protection lasting as long as you own the property, investing in title insurance is a no-brainer.

Why Choose Blue Pointe Title?

Experience Since 2018: Since 2018 we have been trusted throughout Michigan’s ever-changing real estate market.
Local Knowledge: Based in Adrian, we know the local laws, property histories, and title challenges unique to Michigan.
Full-Service Team: We handle everything from thorough title searches to seamless closings.
Clear Communication: We explain every step in beginner-friendly language—you’ll never feel left in the dark.
Outstanding Client Care: Our commitment to service makes us the preferred Michigan title insurance company for buyers, sellers, lenders, and real estate agents across the state.

Still Wondering: Do You Need Title Insurance?

Here’s the simple answer:

Protecting your home and savings and future requires a positive response to this question.

Blue Pointe Title will lead you through the entire closing process with professional expertise and caring service.

Call us today at (517) 258-1511 or click here to contact us

Since 2018, Adrian, MI-based Blue Pointe Title Agency has been committed to providing outstanding service during every step of the closing process throughout Michigan.