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How long is a home title insurance policy good for?
I just bought a house that’s over 100 years old, so I added title insurance to protect it in case of unforeseeable circumstances down the road. How long is my title insurance policy good for?
Melanie Johnson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on the new (old) house! Over 100 years old? Wow, very cool. Though you only pay for it once, title insurance typically lasts for as long as you own the house.
Here’s some information on title insurance for homes:
- What you bought is called an owner’s policy of title insurance—and it will protect your home for as long as you own it.
- If you took out a mortgage loan when you bought your house, the lender (a financial institution or a mortgage bank) will require a loan policy (AKA title insurance). This will last until you pay off the loan.
- Title insurance for vehicles is relatively new and provides the same type of protection, but for your car! It is especially useful when buying a used car. Ask your insurance company if they provide title insurance for vehicles.
Best of luck with the new home!
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