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Why do homeowners need title insurance? Because any home, no matter how new or apparently secure, is built on land that has, undoubtedly, had many owners. Whenever, you buy property, the owner who is selling it to you has rights, as do their family and heirs. You pay the premium for title insurance only once, and it protects you for as long as you and your heirs remain in ownership. Title Insurance protects you against past claims and title faults. Your original premium amount is your only cost as long as you own the property and you will be protected against any unexpected claim covered by your policy. Title Insurance assures you that the home that you are purchasing is safely yours. Title Insurance assures you that the home that you are purchasing is safely yours. Your title insurance policy is your shield of protection and will defend your ownership against loss. Your original premium amount is your only cost as long as you own the property and you will be protected against any unexpected claim covered by your policy. Why do homeowners need title insurance? Because any home, no matter how new or apparently secure, is built on land that has, undoubtedly, had many owners. As your title company, Southwest Title will perform a title search and uncover any unpaid taxes, mortgages, judgments against current and previous owners, easements and other court actions or recorded documents which can affect the title of the property. Real estate is such a basic form of wealth that there are many special laws that protect ownership of land and the buildings that are built on it. You pay the premium for title insurance only once, and it protects you for as long as you and your heirs remain in ownership. 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