A title insurance policy insures against loss or damage that you might suffer as a result of a defect in your title other than matters disclosed in the policy or excluded from or beyond the scope of coverage. In essence, the policy insures that your title doesn't contain a defect that would prevent you from selling or refinancing your home. In addition, title insurance covers the cost of going to court to defend your title or filing suit to deny some right or interest claimed by another.
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