Owner's Title Insurance

An owner's policy is optional and protects the borrower if someone challenges a property title based on any title defects that were unknown when the policy was purchased.

The coverage protects the borrower and their heirs as long as they have an interest in the property. To obtain this coverage, the borrower pays a one-time premium at closing.

In the event there is claim against the title in the future, the title insurer, without expense to the policy holder, will defend the borrower against a challenge to the property title.

We encourage you to speak to your closing attorney about the benefits of title insurance to help you understand the importance of having an owner’s policy and the risk you take when you do not have a policy which gives you protection.


Not insured by NCUA or any federal government agency. Not a deposit of or guaranteed by a credit union or credit union affiliate. May lose value.