Protect Your Ownership and Lender Investment

Owner and Lender Title Policies in Robert

You sign documents at closing assuming the property is yours free and clear, but without title insurance, a forgotten lien or past ownership dispute could threaten your rights years later. Title policies issued in Robert protect you and your lender from financial loss caused by defects in the title that weren't visible during the search.

Freedom Land Title issues owner and lender title policies backed by detailed title searches and examination performed by experienced professionals. Policies are tailored for residential purchases, refinances, and investment properties and are familiar with Missouri property records and local title requirements. You get coverage that helps reduce risk from liens, defects, or ownership disputes across the surrounding service area.

Contact Freedom Land Title to secure title protection for your next transaction.

Two Policies Covering Different Risks

Your lender will require a lender's policy to protect their interest in the property until your loan is paid off. That policy does not cover you as the buyer. An owner's policy protects your equity and your right to sell or transfer the property, and it remains in effect for as long as you or your heirs own the home.

After the policy is issued, you're protected from claims involving forged signatures, unknown heirs, unpaid taxes, recording errors, and other defects that existed before you purchased the property. If a covered claim arises, the title insurance company will defend your ownership in court or pay the claim up to the policy amount, saving you from legal fees and potential loss of the property.

Policies are underwritten based on the title examination completed before closing, and coverage is available across the surrounding service area including transactions involving lake properties, rural parcels, and homes near military installations. The one-time premium is paid at closing and is calculated based on the purchase price or loan amount, and no additional premiums are due after that.

Title insurance is often misunderstood because it works differently than other types of insurance. These answers explain what it covers and when it matters.

Most Buyers Want to Know What They're Paying For

It covers your financial loss if someone challenges your ownership due to a defect that existed before you bought the property, such as a forged deed, an undisclosed heir, or an unpaid lien. The policy pays legal fees to defend your ownership or compensates you for the loss.
What does an owner's title policy actually cover?
Title searches rely on public records, which can contain errors, missing documents, or fraud that wasn't detectable at the time of closing. The policy protects you from those hidden risks even after the transaction is complete.
Why do I need an owner's policy if the title was already searched?
The cost depends on the purchase price or loan amount and is paid once at closing. You can request a quote based on your specific transaction, and the team will explain what's included in the premium.
How much does title insurance cost in Robert?
A lender's policy protects the bank's investment until your loan is paid off, but it does not protect you. An owner's policy protects your equity and ownership rights for as long as you or your heirs hold the property.
What's the difference between a lender's policy and an owner's policy?
Coverage begins on the date of closing and protects against defects or claims that arose before that date. It does not cover issues that occur after you take ownership, such as liens you create or boundary disputes that develop later.
When does title insurance coverage begin?

Freedom Land Title is backed by detailed title searches and examination performed by experienced professionals familiar with Missouri property records. Call the team to get coverage tailored for your purchase, refinance, or investment property and reduce the risk of ownership disputes after closing.