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.

Title Fraud Is On the Rise in Michigan — And It Can Happen to Anyone

Blue Pointe Title
Jul 16
3 min read

Updated: Oct 15

Title Insurance for Historic Adrian Michigan Real Estate

Imagine waking up to discover someone sold your home without your knowledge—or forged documents transferring ownership in your name. In Detroit, that scenario has become all too real as deed theft escalates. Wayne County alone has opened over 2,300 mortgage and deed fraud cases since 2005. These alarming events show why title insurance in Michigan, especially owner’s policies, matter now more than ever.

Real Fraud Cases in Detroit Show the System’s Weak Spots

Recent Detroit cases like a local nonprofit director accused of orchestrating fraudulent quitclaim deeds for over 30 homes demonstrates how easily impostors can manipulate the title system. Even post-closing, forged deeds can grant scammers access to your property.

Michigan Laws Are Getting Tougher—But Gaps Remain

And while Michigan has taken steps to combat this fraud, like new felony laws targeting deed scammers, the reality remains: property records can still be filed fraudulently, and legitimate deeds may not be updated quickly.

Why Owner’s Title Insurance Is Essential for Michigan Homebuyers

This is where title insurance in Adrian, MI and throughout the state becomes essential—not just for lenders, but for homeowners, too.

Owner’s title insurance isn’t just about the closing day—it’s protection that guards you long after you’ve moved in.

What Owner’s Title Insurance Covers

Policies cover:

Forged deeds or signatures—if someone tries to claim your home post-close
Quitclaim deed fraud—common in Detroit schemes, even when a notary is involved
Defective or false documents—these can surface years after closing

With this protection, your title insurance company takes over the legal battle—and expenses—so you can keep your home without incurring serious financial loss.

Protecting your home starts with a phone call. Contact Blue Pointe Title, your trusted Michigan title insurance professionals in Adrian, MI, to secure robust title insurance in Michigan. Whether you’re closing a residential property or managing new construction, our expert team ensures your ownership is safe from hidden title fraud.

The Cost of Going Without Protection Can Be Devastating

Deed theft is rising in Detroit—with hundreds of fake deeds filed annually
Michigan law now punishes deed fraud, but title veneers can still slip through
Owner’s title insurance is your legal shield, covering forged documents even after closing day
Scammers exploit quitclaim deeds and notary errors—owner’s insurance ensures defenders even if records are manipulated

Take Action—Protect Your Investment with Blue Pointe Title

Detroit’s recent fraud cases are stark reminders: nobody is immune, no matter how careful. But with title insurance in Michigan, especially from a reputable local provider like Blue Pointe Title in Adrian, MI, you can rest easier. It’s not just smart—it’s essential.

Frequently Asked Questions

1.What is title fraud?

Title fraud happens when someone illegally transfers ownership of your property—often using forged documents or impersonation—to sell or refinance it without your knowledge.

2. Does title insurance cover deed fraud?

Yes. Owner’s title insurance protects you from financial loss and legal battles due to forgery, impersonation, or fraudulent title transfers—even after closing.

3. Is title fraud common in Michigan?

Yes. Especially in cities like Detroit, where deed fraud cases have been on the rise for years, with thousands of reports filed in Wayne County alone.

4. Who usually chooses the title insurance company in Michigan?

The buyer typically chooses the title insurance agency—especially if they are paying for the owner’s policy—according to federal RESPA guidelines.

5. Do I need both lender’s and owner’s title insurance?

If you're taking out a mortgage, your lender will require lender’s title insurance. Owner’s title insurance is optional—but highly recommended to protect your investment.