What is Title Insurance and should you have it?

Title Insurance is a policy of insurance that provides coverage for the title related risks associated with real estate transactions. It is designed to cover the unpredictable or undetectable issues such as forgery, fraud, missing heirs, etc. that can affect rights of ownership. Because it is insurance, a Title Insurance policy moves the risk associated with title from the home buyer, the lending institution or the lawyer, to the title insurer.

If there is a problem with title that only becomes known after closing, the title insurer may rectify the problem or compensate the Title Insurance policyholder, provided the type of problem that surfaces is covered by the Title Insurance policy.

A Title Insurance policy will contain:

  • risks or losses the policy will cover;
  • risks or losses the policy will not cover; and
  • general terms governing the insurance coverage.

Should a policy holder suffer a loss of title through title/identity theft, the insurance will provide funds to discharge the mortgage or compensate for the loss of the property. Without Title Insurance the home owner is forced to make a claim to the government’s Assurance Fund — a long and expensive process which is not always successful.

Some insurers will provide Title Insurance for clients who already own their home, but did not obtain the protection of Title Insurance when they first purchased their home.

Title Insurance is available in Ontario through at least 4 separate insurers in addition to the old method of solicitor certification. For the most part title insurance provides broader protection at lower costs, and is especially useful in protecting against title fraud.

Reputable Companies Providing Title Insurance



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Julie Koch
  October 30, 2023

Kim did a fantastic job of helping me sell my home on a time crunch. She made sure to always keep me updated which really helped during my first time selling. I also highly recommend the team she used to stage my home. They were very professional and made my home look straight out of a magazine! All together, I am happy with my experience and would recommend the VanDinther team to my friends.

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Nicole Di Rado
  October 24, 2023

We worked with Kim to buy our first home and to say it was a fantastic experience is an understatement! Kim is so helpful, knowledgeable and responsive. We felt so supported and reassured throughout the entire process. She truly goes above and beyond. We cannot recommend this team enough!!

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Carolyn Hill
  August 13, 2023

We had the pleasure of working with Lori and Kim in selling our current home and finding our new home. It was all done very quickly and easily with the help of this great team! Response time from them was always immediate. Negations through the entire process were handled extremely well and a lot of hard work was put in by both Lori and Kim. We would highly recommend them to all our friends and family. Thanks to both of you for a job well done! We are so happy!

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Genevieve Turner
  August 06, 2023

We had the pleasure of working with all three Morgan, Lori, and Kim as first time buyers. The team was always available to answer our questions and gave great advice. Thanks to them, we got our dream starter home after looking for only a few weeks. Would highly recommend the team to anyone looking to buy/sell in the area. Thank you Van Dinther team!!

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