How to go about finding the company that holds your property title insurance?

In most cases the title company that closed your loan is the issuer of the title insurance, and can be contacted regarding insurance issued on your property.

Title Geek Answer

Contact the Agency that issued the title insurance at time of closing. If an Owner's Policy was paid for, they should have issued you an actual insurance policy, complete with a Title Jacket and Policy Number. If you never received this and paid for one, request an original or a certified copy of it.

The Policy will reference the title UNDERWRITING COMPANY that is insuring the Policy. ie: First American, Stewart, Chicago,etc. That is who the actual COMPANY. The agency only acts in behalf of the Underwriter and is not the actual insurer.

AS FOR THE FIRST GENERAL ANSWER POSTED, IT NEEDS CLARIFICATION

A MORTGAGE POLICY is issued to a Lender and protects their mortgage interest in the property.

An OWNER'S POLICY is typically issued at the time of purchase and protects the new owner's interest in the property for as long as they own it, ending at the closing date and covering all PRIOR history on the property.

A DEED transfers or conveys interest into the property.

Typically Deeds issued in modern times are NOT Warranty Deeds, which "warrant" the property against defect in title. The most common Deeds issued on residential property today read that only the PRESENT owner is conveying with no known defect in title. (Bargain and Sale, Limited Warranty, Covenant and Restriction Deeds, etc.)

The DEED does not necessarily protect you from previous owners (including ALL previous owners) of the property as to their acts, liens, judgments, etc. That is purpose of title insurance: To insure the Owner and/or Lender against all prior defects (liens, judgments, claims of others) in title and deed.

If you received a Warranty Deed from a Seller and never purchased Owner's title insurance, do you honestly think that SELLER is going to cooperate to remedy the problem or PAY you to fix issues that come up once he has his check in hand - weeks, month, or years later???

An Owner's Policy is a one-time, relatively small investment into real property when purchasing to protect your interests.

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