What Is Title Versus Deed versus Title Insurance?

Title refers to your legal right to own, use, and control your property. The deed is the document that transfers that ownership  .

Title insurance protects you financially if issues—like liens, undiscovered heirs, or fraud—arise after closing ().

Do I Need Both Owner’s and Lender’s Title Insurance?

> Most lenders require a lender’s policy. While the owner’s policy is optional, it’s strongly recommended—especially for first-time buyers—to protect your investment long-term.

How Much Does Title Insurance Cost and When Is It Paid?

> Premiums vary by state and purchase price but are typically 0.5–0.7% of the home price—about $2,000 on a $400,000 home  . The cost is paid once, at closing.

What Common Issues Can Appear in a Title Search?

• Liens (tax, contractor, judgment)

• Errors in public records like deed descriptions or ownership data

• Missing heirs or estate claims

• Invalid or fraudulent deeds

• Easements and boundary disputes 

How Long Does a Title Search Take?

> Typically around 1–2 weeks, though complex properties may require more time  . At Accurate Title, we coordinate closely with lenders and agents to keep transactions on schedule.

What Questions Should I Ask My Title Company?

1. How do you conduct your title searches? (Local records, historical research)

2. Do you share the title search results fully? (Yes—you deserve transparency)

3. Are my escrow funds protected? (Your money is securely managed)

4. What is your claim rate? (A trusted company maintains a low rate—under 5%)

5. How responsive is your team? (Prompt communication avoids delays) 

   ---

Can I Choose My Title Company?

Yes. Under RESPA, homebuyers can select their own title provider—even if a lender or agent makes a recommendation  . Choose a company with local expertise, transparent pricing, and strong service—like Accurate Title.

Is Title Insurance Worth the Cost?

Absolutely. Title insurance not only uncovers issues before closing, but also covers future losses—on average saving tens of thousands in legal fees  . Most policies cost a few hundred dollars after lender coverage.

How Can You Save on Title Insurance?

• Shop and compare services—not all companies offer the same fees ()

• Ask about reissue rates when refinancing, which can reduce premiums 

• Consider using the same title company as the seller to leverage existing searches

Building Your Title & Closing Team This December

Your title company is more than a vendor—they’re a partner in protecting your property investment. At Accurate Title, our New Hampshire, Massachusetts, and Southern Maine teams offer:

• Full-title searches and transparent findings

• Secure escrow and fund management

• Owner’s title insurance at competitive rates

• Responsive communication and local market knowledge

Start the new year with confidence—partner with a title company that treats your closing with dedication and care.

Visit https://www.accuratetitlenh.com for more information.