How long does title insurance coverage typically last?

The coverage provided by title insurance is designed to last as long as the insured party, typically the property owner or their heirs, has an interest in the property. This is a fundamental aspect of how title insurance operates, as it protects against potential claims and defects in the title that can arise even after the issuance of the policy.

For instance, if a claim emerges due to a previous owner's debt or an unrecorded lien, the title insurance will cover potential legal fees or losses incurred by the owner as long as they maintain ownership interest. This distinction is crucial because title insurance is not limited to a fixed term; rather, it provides ongoing protection for as long as there is ownership interest.

The other options imply limitations on coverage that do not align with the structure of title insurance. Some suggest fixed timeframes or conditions that do not coincide with the perpetual nature of ownership interest in real estate.