What is Title Insurance? When you are buying property you want to be certain there are no problems. Your homeowners insurance, for example will protect you from loss or damage that may arise out of fire or other covered acts. Title Insurance protects you from losses that may arise from a problem with the ownership of your property. Things such as forged deeds, fraudulent misrepresentations, undisclosed heirs and courthouse mistakes are just a few of the things that could effect the title to your property. Unlike other insurance, title insurance charges a one time fee for your coverage. In addition,one of our settlement agents will handle all the details of your settlement.