Lawyers Express Title

Buying a home is one of the biggest investments you’ll ever make. But what if, after you move in, you find out someone else has a legal claim to your property? That’s where title insurance steps in to protect you.

At Lawyers Express Title, we believe every homeowner deserves peace of mind, and title insurance is a critical part of making sure your home is truly your home. Let’s cover some of the basics of title insurance in Maryland

What is Title Insurance?

When you buy a house, you’re not just buying the walls and roof — you’re buying the legal rights to the property. Title insurance protects you from unexpected ownership issues that may not be uncovered during a standard title search.

These issues could include:

• Unpaid taxes or liens from previous owners

• Clerical mistakes in public records

• Undisclosed heirs claiming ownership

• Fraudulent signatures on documents

• Errors in property descriptions

Even with the most thorough search, some problems are hidden and could threaten your ownership down the line. Title insurance gives you financial protection against these risks.

How Does Title Insurance Work?

Before closing, Lawyers Express Title carefully examines public records to verify the property’s history and ownership. If the title is clear, the transaction can proceed. If potential problems are discovered, we work to resolve them before closing.

But sometimes, issues arise after the purchase… long after you’ve moved in. Title insurance covers legal fees, losses, or damages related to those hidden issues, so you aren’t left fighting a battle on your own.

Two Types of Title Insurance

There are actually two types of title insurance:

• Lender’s Policy: Protects the mortgage lender’s interest in the property. (Required if you’re taking out a loan.)

• Owner’s Policy: Protects you, the homeowner. (Optional, but highly recommended.)

At Lawyers Express Title, we strongly encourage buyers in Maryland to purchase an Owner’s Policy for full protection.

Why Title Insurance Matters for Maryland Homebuyers

In Maryland, real estate transactions move fast, and historical records can be complex. From Baltimore to Hunt Valley to Towson, we’ve seen cases where old tax liens, filing mistakes, or even missing heirs caused major headaches for new homeowners.

Without title insurance, you could be on the hook for thousands of dollars in legal fees or worse, risk losing your home.

A one-time premium at closing secures a lifetime of protection. It’s one of the smartest decisions you can make during the homebuying process.