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Title Insurance

Title insurance protects property buyers and lenders against claims, liens, or defects in the property's ownership history that were not discovered during the title search. A one-time premium is paid at closing — typically 0.5-1% of the purchase price. There are two types: lender's title insurance (required by mortgage lenders) and owner's title insurance (optional but strongly recommended). Title insurance covers issues like forged documents, undisclosed heirs, recording errors, and outstanding liens. In New York, title insurance costs approximately $4,000-$7,000 for a $1M property.

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