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.

The Role of Title Insurance in Safeguarding the American Dream

Blue Pointe Title
2 hours ago
3 min read

Title Insurance for Historic Adrian Michigan Real Estate

For centuries, property ownership has been referred to as the American Dream—whether it's a family residence, productive business venture, or custom-built. But that dream can be threatened by hidden issues like unpaid liens, filing errors, and ownership disputes.

That's where a professional title insurance in Michigan can assist you. At Blue Pointe Title, an Adrian-based agency operating all over Michigan, it is our mission to protect what's most important:

Your investment
Your safety, and
Your future.

Why Does Title Insurance Matter Everywhere?

Residential Protection For Homeowners

Your house is not just an address. It's your stability and your sanctuary. But don’t forget that your home might still have issues despite being residential, such as:

Unpaid property taxes.
Unreported liens.
Public records errors.
Fake documents.
Fraudulent claims of your property.
Unknown heirs with potential ownership rights.

Without residential title insurance, homeowners can incur expensive legal costs long after closing. Blue Pointe Title provides you with peace of mind with owner’s policies to protect you so long as you own the home.

Commercial Property Protection For Investors

Commercial property is home to businesses and communities; when title issues arise, it is a heightened level of concern.

A clouded title could:

Freeze financing.
Delay operations, and
Even falls through.

Blue Pointe Title commercial title insurance protects buyers, lenders, and investors from fallout from unexpected claims. This professional approach prevents any legal issues that could put your project and profits at risk.

Construction Confidence for Developers

New home or business construction should be exciting, not scary. Still, new construction occasionally has some difficulties, for instance:

Liens from unpaid contractors.
Incompletely recorded subdivisions, and
Disputes on land.

At Blue Pointe Title, we offer new construction title insurance services for construction projects in Michigan, including draw funding and escrow to help assure your project does not get derailed and stays title safe.

How Blue Pointe Title Safeguards Your Dream?

At Blue Pointe Title, we understand that when we protect property, we protect people.

Complete Title Searches – before you know "yes", we prepare you for the risk, public records, title, and the closing.
Escrow & Services for Construction – for contractors who may walk off in the middle of construction for not being paid, we take over keeping funds in the escrow for the project to prevent disputes or liens.
Personalized Guidance – Whiteboards to write on, to point and explain all portions of each step, from Adrian, to anywhere across Michigan, about the process, facts, and lived experience.
Long-Term Protection – as long as you have an owner’s title insurance policy from Blue Pointe Title, you are protected for as long as you hold title ownership to the property.

Whether you are a first-time homebuyer, business owner, or builder, Blue Pointe Title is here to help protect the land of the free and the home of the brave: every American Dream deserves a protector.

Protect Your American Dream with Blue Pointe Title

Do not let title defects, liens, or disputes create uncertainty in your future. Let Blue Pointe Title be your trusted Michigan title insurance agency serving clients all across the state.

Call us (517) 258-1511 and we’ll discuss how we can help protect your property investment. Let’s protect your investment and continue to protect the American Dream for generations to come.

📞 Contact Blue Pointe Title in Adrian, MI at (517) 258-1511

🧾 Request a quote for your Michigan title insurance today