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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Kayla Prior
  January 28, 2023

We worked with Kim to sell our home in summer 2021 and couldn’t have asked for a better experience. Kim’s invaluable insights and intimate knowledge of the market in the area meant we could confidently prepare and list our home even in the uncertain conditions that existed at the time. Kim’s personability also made her a delight to work with and I would be happy to recommend her to anyone!

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Bob Gill
  January 25, 2023

We were referred to Lori and the VanDinther Team when we needed some trustworthy advice when deciding whether to renovate and stay or look for a more suitable already renovated home. Lori and her team provided unbiased solid advice based on their wealth of knowledge and experience in our market area. I would highly recommend the VanDinther Team for any Real Estate need you may have.

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R L
  January 13, 2023

We had a very good experience with Kimberly. Her knowledge of the area is excellent and she provided honest and insightful advice about different locations. She was responsive to our preferences. We couldn't attend our second pre-closing visit so she went herself and provided us with a video walk through which was really helpful. Her recommendations for services in the area were also a nice touch.

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Shannon Ferr
  January 13, 2023

Kim was our realtor and she was great! She is very knowledgeable about the Hamilton area and seemed to have our best interest in mind when helping us find a home. Some realtors can be pushy on you to buy quickly so they can collect commission, but we didn’t feel that way with Kim at all. Kim made the experience as enjoyable as it could be as first time home buyers.

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