Why Title Insurance Matters in Massachusetts Real Estate Closings
Mar 26 2025 13:58
When purchasing property in Massachusetts, one of the most important steps you can take to protect your investment is securing title insurance. Whether you're buying your first home or expanding your portfolio, title insurance offers critical protection against legal issues that could threaten your ownership down the road.
What Is Title Insurance?
Title insurance is a policy that protects property owners and mortgage lenders from financial loss related to defects in a property’s title. Common title issues include undisclosed liens, ownership disputes, errors in public records, and even fraud. While a title search is performed before closing, not every risk can be uncovered upfront—which is where title insurance becomes essential.
Why You Need Title Insurance in Massachusetts
Massachusetts real estate law is complex, and even the most diligent title search can miss issues that go back decades. Title insurance acts as a financial safety net if a covered issue arises after your closing. For example, if a contractor files a past-due lien or a previous owner’s heir makes a claim on the property, your title insurance policy helps cover legal costs or losses.
There are typically two types of title insurance:
- Lender’s Policy – Required by your mortgage lender to protect their investment in the property.
- Owner’s Policy – Optional but highly recommended, this protects your equity and legal rights as the homeowner.
How Fitzpatrick & Seifart Supports You
At Fitzpatrick & Seifart, we coordinate with trusted title insurance providers and ensure the entire process is handled with care. From conducting a thorough title examination to guiding you through your Massachusetts real estate closing, we’re here to make sure your rights are secure—long after the keys are in your hand.
