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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Jan Hall
  August 30, 2022

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Anastasiia Pysarchuk
  July 22, 2022

We couldn't be happier with how we were treated and worked with by Melissa Uba of the Lori VanDinther Team. She was extremely responsive and very pro-active on communicating with us. My brother and I came from Ukraine a couple months ago and it was very important to find someone who could guide us. Mellisa became that person and did everything to help with first leasing experience in Canada. The process went so smoothly and she was an absolute pleasure to work with. She was very knowledgeable about the process and was a great resource. She offered her opinion when we asked and helped us to consider things we hadn’t thought of. We’ll definitely reach out to Melissa in the future and we highly recommend her!

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Monica Leoni
  June 21, 2022

Lori VanDinther and her team are dedicated professionals who love what they do and who make your experience a personal one. We had the pleasure of working with Melissa Uba recently and we could not be more grateful for her help. We are currently hosting two young Ukrainians in our home, who recently began the process of finding their own place to live in a very difficult and expensive Burlington market. Melissa handled the situation delicately and compassionately, getting to know the needs and realities of our guests first, and then catering her searches to meet them on every level. Melissa showed professionalism and empathy throughout, and made every viewing a positive and hopeful experience. We recommend her highly!!

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Wendy Walker
  May 27, 2022

Lori and her team are extremely professional and knowledgeable. In a changing market Lori and her team nailed it! The sale of my home went quickly and without any problems. The expertise in knowing the data in the market to their confidence in selling my home quickly and at a good market value was unprecedented. The communication with all team members from start to finish was fabulous. Thank you again for doing a fantastic job! Wendy Walker

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