Do I need title insurance to buy in Folly Beach in 2026?

Title insurance is not legally required to buy in Folly Beach in 2026, but a lender will almost always require a lender's policy as a condition of the loan, and buying an owner's policy alongside it protects the buyer's own equity against a title defect that surfaces later. Folly Beach's history of ownership on a barrier island can make that protection especially worthwhile. Brian Beatty recommends an owner's title policy on every Folly Beach purchase.