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For Consumers

What is Title Insurance

What-is-Title-Insurance-AND-Final-Policy-RquestConsumers frequently ask us, “What is title insurance?” It is important to understand the importance of obtaining title insurance for your property.

There are different types of policies each containing different insuring provisions. An Owner’s Policy, for example, provides you with not only an insurance policy but also peace of mind. Among other things, an owner’s policy of title insurance insures that upon transfer of the property, you as the buyer are the owner of the property as stated on policy, holding the same estate or interest shown on the policy, and that your property is subject only those liens and/or encumbrances, if any, listed on schedule B of the policy. This essentially means that no other person has any claim or right to your property and all liens from previous owners have been properly paid off.

If a defect is found during the examination of your property, these items will be taken care of prior to or at closing. These problems could include liens, unpaid taxes, judgment and loans. And if you suffer a loss as a result of title being defective, or you are sued because of a matter covered by the policy, the title insurance company will take action to pay the loss, retain counsel to defend you in a lawsuit, or otherwise seek to cure the title defect, pursuant to, and subject to the terms and conditions of your title insurance policy.
Depending on the type of owner’s policy purchased, your coverage will typically last until you transfer the title of your property.

Imagine purchasing your new home and moving in, only to find that you do not actually own your property, or that your title is different from that which was insured by the policy. This could be a costly and potentially devastating discovery.

Here is a quick video that explains title insurance, what it covers and why it’s needed.

To gain a better understanding of title insurance, call us today at 303.831.7575 and speak with a representative from our team.

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  • "Over the years I have closed real estate transactions with several Title companies around town, and I can't remember any of them. These companies were completely serviceable, and did a fine job, I guess that is an ok thing, I don't really think too much about title insurance. However, I recently had the pleasure to meet several folks over at Canyon Title. The professionalism and expertise were certainly memorable, and I left with the feeling that Canyon Title really understands how important it is for their clients to have a smooth closing. I have heard several stories of the Pros at Canyon Title going way out of their way to ensure that all the "t"s are crossed and the "i"s are dotted. Now I have zero doubt that these stories are actually facts. Canyon Title will be my title company of choice from here on out!"
    - Brian G., Littleton, CO
  • "We had a problem with our original HUD statement and the payout from our former lender. The problem was handled very quickly and efficiently, and was resolved in less than one business day. Shandelle was superb. Great company, great people!"
    - Jim V., Louisville, CO
  • "The entire staff at Canyon is so professional and willing to help and accommodate my requests. Ben Bunte and Mike Carwin, by far exceed all expectations. They are always willing to go over and above to make things happen and get our loans closed. It is truly a pleasure to work with such top notch professionals, and I would highly recommend them and Canyon Title to anyone."
    - Leslie L., Aurora, CO
  • "Tiffany Malafronte was our closer. She provided us with a Spanish speaking closer by the name of Leon Crawford. He was AWESOME!!! He was gentle, and courteous and made them feel confident about the transaction. My clients walked away from the closing guaranteeing more referrals for my business! I contribute some of that to Canyon Title for a job well done in providing the translator! Most large Title company's don't provide that service, and if they do it's not as sufficient as it was the Canyon Tile. I greatly appreciate it!"
    - T Wilcox
  • "Even though I was running late as the seller's agent, Mauria started the closing and everything went smoothly, as usual. Seller and Buyer was happy which is very important. Mauria is always available for questions and changes -- Canyon title cares about the details!!"
    - Rochelle Landau
  • "Best experience with a title company ever! Tony and his team quickly respond to my requests and get they get me and my team what we need within the hour of our request. The folks at Canyon are professional and can always seem to find me a closer no matter how far away the client(s) live. My clients are always well taken care of with Canyon title and for that reason I will only work with Canyon Title for my refinance transactions. I also love seeing their name on our purchase contracts."
    - Sean Houlihan
  • "Jodi was great, always helpful and responsive and easy to work with!"
    - Julie Trivers:
  • "Great Service. Tony, Lauren, Sabrina and the rest of the staff are amazing. My title company for life :-)"
    - Kemper Lewis
A Title Partner Focused on Your Success. Canyon Title (303) 831-7575

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1127 Auraria Parkway, Ste 101
Denver, CO 80204
Phone 303.831.7575
Fax 303.831.7585

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Denver Tech Center

8400 E. Crescent Pkwy, Ste 550
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Phone 720.838.2171
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Westminster, CO 80234
Phone 720.838.2180
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