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.

5 Title Tips to Protect Against Deed Fraud in Michigan

Blue Pointe Title
Sep 27
3 min read

Title Insurance for Historic Adrian Michigan Real Estate

Michigan Buyers Should Take Specific Steps to Protect Their Properties from Property Theft Through Forged Deeds and Fraudulent Claims

Deed theft in Michigan is on the rise, particularly within Wayne County. The Register of Deeds has confirmed more than 15 stolen homes and over $1 million in losses caused by forged documents, often filed fraudulently using quitclaim deeds or completely fake signatures.

Fake Deeds, Real Consequences

This threat isn’t just alarming—it’s real. Michigan residents, especially in Detroit, are increasingly targeted by deed fraud schemes. In one case, a nonprofit director was charged with using fake quitclaim deeds to steal 30 properties.

Homeowners need more than awareness—they need a clear plan of action to protect their property.

5 Title Tips for Fraud Prevention in Michigan Real Estate

Use these five practical tips to protect your property from deed fraud during real estate transactions in Detroit, Adrian, and throughout Michigan:

1. Spot Red Flags Early in the Buying Process

Deed fraud often starts subtly but can lead to major legal problems. Watch for these warning signs:

Use of quitclaim deeds to transfer property without guarantees of clear ownership
Pressure to close quickly or skip title searches
Mismatched names between the seller and prior property records

📌 Tip: Always request a full chain-of-title report—especially in areas with frequent property transfers.

2. Use Warranty Deeds—Not Just Quitclaims

Quitclaim deeds offer no protection against past claims or ownership errors. Fraudsters often use them to transfer interest without proving actual ownership.

In contrast, warranty deeds:

Guarantee a clear title
Offer legal recourse if a claim arises
Are backed by the seller’s assurances

📌 Tip: Choose a warranty deed when buying from anyone other than a close relative or known party.

3. Secure Comprehensive Title Insurance with Fraud Protection

Many buyers assume title insurance only covers back taxes or liens. In fact, modern policies can also protect against:

Forgery and document fraud
Challenges from false ownership claims
Legal defense costs tied to title issues

📌 Tip: Ask your title company about enhanced coverage for forgery, impersonation, or tampering.

4. Enroll in a Property Fraud Alert Service

Many Michigan counties offer free property fraud alert tools that notify you of any documents recorded under your name or property address.

Available in Wayne, Oakland, Macomb, and Washtenaw counties
Alerts via email or text for fast response
Enroll—even if you're not currently buying or selling—to detect suspicious activity early.

5. Always Close Through a Reputable Title Company

Many cases of deed fraud involve poorly managed closings. Work with a licensed Michigan title company like Blue Pointe Title, where:

Signatures are properly verified and notarized
Documents are recorded with legal oversight
Insurance policies are issued after thorough title searches

📌 Tip: Avoid cash deals and handshake agreements that skip title protection—those shortcuts invite fraud.

The Threat Is Statewide—So Is the Solution

Deed fraud isn’t limited to Adrian, MI. It’s affecting homeowners in suburbs, small towns, and redevelopment zones across Michigan. The right tools and vigilance can help you stay protected and at peace.

Need Help Securing Your Title?

At Blue Pointe Title, we help Michigan homebuyers navigate title challenges with confidence.

📞 Call us today at tel:517-258-1511tel:517-258-1511

📨 Or contact us through our online form to schedule your consultation.

Your property deserves protection—let us help you keep it that way.

FAQs: Deed Fraud in Michigan

Q: What is deed fraud?

A: Deed fraud happens when someone illegally transfers property ownership using forged documents or impersonation.

Q: How common is it in Michigan?

A: It’s becoming more common, particularly in Michigan—and has also been seen in surrounding suburbs and rural areas around Adrian.

Q: What’s risky about quitclaim deeds?

A: Quitclaim deeds lack warranties and can be used to transfer interest without proof of actual ownership—making them a tool for fraud.

Q: Does title insurance protect against deed fraud?

A: Yes. Owner’s title insurance covers legal costs and protects your ownership rights if your property is targeted.

Q: How can I spot early signs of deed theft?

A: Look for unusual mail, unexpected document filings, or anyone claiming ownership. Use fraud alert tools or check county records.

Q: What should I do if I suspect fraud?

A: Contact your local authorities, the county register of deeds, and your title company. Blue Pointe Title can also help guide your next steps.

📞 Call us today at (517) 258-1511