🏠 Title Insurance 101: What Every Illinois REALTOR® Should Share with Clients

📘 What Is Title Insurance?

Title insurance is a one-time policy that protects homeowners and lenders from financial loss caused by past title defects—such as liens, unpaid taxes, forged signatures, and errors in public records.

🎯 Why Title Insurance Matters in Illinois

Illinois real estate often comes with complex property histories. Without title insurance, buyers risk unexpected financial burdens and legal disputes.

Key Benefits:

Peace of mind for buyers
Protection for lenders
Fewer surprises at closing

🧾 Two Types of Title Insurance

Lender’s Policy: Required by most lenders. Protects their interest in the home until the mortgage is paid off.
Owner’s Policy: Optional—but strongly recommended. Protects the buyer’s equity for as long as they own the property.

🚨 Title Fraud: What It Is & How to Protect Clients

Title fraud happens when someone illegally transfers or forges documents to gain control of a property.

Protective Measures for Clients:

Purchase owner’s title insurance
Work with trusted title companies like @HomeTitleServices
Register for local property fraud alerts
Keep personal property documents secure

💼 Listing Agent Advantage at @HomeTitleServices

Our exclusive Contract-to-Close Concierge Program was built for REALTORS® who want to elevate their listing service. We help protect your sellers, reduce their costs, and streamline your business.

Included Services:
✅ Free top real estate closing attorney
✅ 10% off title services (often saving sellers $1,000 or more)
✅ White-glove concierge experience from contract to close
✅ Agent branding + seller satisfaction = more referrals

📲 Learn More & Stay Connected