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.

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Title Insurance is offered through Virginia Statewide Title Services, LLC, an affiliate of Virginia Credit Union, Inc. (VACU) and Bon Air Title, and is underwritten by unaffiliated insurance companies. VACU may receive a financial or other benefit because VACU, through Virginia Credit Union Financial Services, LLC has an ownership interest in Virginia Statewide Title Services, LLC.

Any title insurance required as a condition for settlement of your loan or purchase, sale or refinance of the subject property is not required to be purchased from Virginia Statewide Title Services, LLC, and can be purchased from an agent or insurance company of the member’s choice. For VA residents only.

Business conducted with Virginia Statewide Title Services, LLC, is separate and distinct from any business with VACU. Virginia Credit Union, Inc. (VACU) is not responsible for products and services purchased through Virginia Statewide Title Services, LLC.