Can you buy title insurance after closing?


Yes, you still can buy a title insurance policy after you have closed the deal on the property.

But, we recommend that you do this, before you close the deal, so that if a problem crops up that is not covered by the policy, you can still back out of the deal.

Title insurance covers events that happen before you close the deal and it will not cover any events that happen after closing the deal. In short, it will only protect you against "known" issues that happened before you closed the transaction.

If a lien was attached to the property before closing the deal and that same lien occurs after the closing, this remains covered under the insurance. But if there is an event that cropped up after the closing (i.e. something that you and your title insurance company has never heard about), this may fall under a new issue after closing and will therefore not be covered.

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