How does a buyer protect themselves from title defects when purchasing property?

Obtaining title insurance is a crucial step for a buyer to protect themselves from title defects when purchasing property. Title insurance provides financial protection against errors that may occur in the public record, such as improperly filed documents, undisclosed heirs, or outstanding liens on the property. Should any title defects arise after the purchase, the title insurance company will cover any legal fees and financial losses incurred in resolving those issues, ensuring that the buyer's investment remains secure.

While conducting a home inspection, negotiating with the seller, or using a real estate attorney can offer benefits and enhance the buying process, these actions do not inherently protect against the possibility of title defects. A home inspection primarily focuses on the physical condition of the property rather than its legal issues. Negotiating with the seller may address terms of the sale but does not eliminate risks associated with title issues. Hiring a real estate attorney can provide guidance and assistance in the transaction, yet it cannot replace the specific coverage afforded by title insurance against future claims related to title defects. Thus, securing title insurance is the most effective means for buyers to safeguard their interests regarding the title of the property.