Title Insurance
Title insurance helps protect property owners and lenders from certain problems that may not be discovered until after closing. Even with careful title work, issues can surface later due to recording errors, unknown claims, or defects in the history of ownership. Attorney John J. Byrne helps clients across Maryland’s Eastern Shore understand title insurance, why it matters, and how it connects to a safer closing process.
What title insurance is designed to protect against
Title insurance is intended to provide coverage for certain covered risks related to the title of the property. Coverage depends on the policy and the facts involved, but common concerns may include unknown liens, recording errors, or competing claims that arise after transfer.
Owner’s policy vs. lender’s policy
Title insurance generally comes in two common forms:
- Owner’s title insurance, which is designed to protect the property owner’s interest in the property.
- Lender’s title insurance, which is typically required by a mortgage lender to protect the lender’s security interest.
We help clients understand the differences so they can make informed decisions at closing.
Why title insurance matters in residential and commercial transactions
Real estate is not just a purchase—it’s an ownership right. Title insurance can be an important layer of protection when issues appear after closing. For homeowners, it helps protect long-term peace of mind. For commercial buyers and investors, it can reduce risk exposure and support more confident decision-making.
How title insurance connects to title work
Title insurance depends on the underlying title review process. If you want more information on title examination support, visit: Title Work & Title Examination.
Title insurance and the closing process
Title insurance is commonly addressed as part of the settlement timeline. If you are preparing for closing, or want full support through settlement, visit: Real Estate Closings.
Areas served across Maryland’s Eastern Shore
Attorney Byrne assists clients throughout Maryland’s Eastern Shore, including Berlin, Bishopville, Easton, Fruitland, Ocean City, Ocean Pines, Parsonsburg, Pittsville, Pocomoke City, Powellville, Princess Anne, Salisbury, Showell, Snow Hill, West Ocean City, Whaleyville, and Willards.
Talk to Attorney Byrne about title insurance
If you’re under contract, preparing for settlement, or simply want to understand what coverage you’re being offered, we can help you make sense of it. Our goal is to help you close with fewer uncertainties and a clearer understanding of how your property rights are protected.
Contact Attorney Byrne to discuss your upcoming closing.
Title insurance FAQ
Do I still need title insurance if a title search was done?
A title search can identify many issues, but some problems may not be discovered until later. Title insurance can provide coverage for certain risks depending on the policy terms.
Is title insurance required in Maryland?
Lenders commonly require a lender’s policy when a mortgage is involved. Owner’s coverage is often optional but frequently recommended depending on the situation.
Does title insurance cover everything?
No. Coverage depends on the policy and exclusions. We can help you understand what the policy generally covers and what it may not.