What does owner's title insurance actually cover on a Ravenel purchase, and can I shop it?

Owner's title insurance on a Ravenel purchase covers the buyer against a defect in the property's title that surfaces after closing, such as an undisclosed lien, a forged prior deed or an heir with an unresolved claim. It pays legal defense costs and covers a loss up to the policy amount if that defect turns out to be valid. In South Carolina a buyer can shop for their own title insurance and closing attorney rather than automatically using whoever the seller or lender suggests. Brian Beatty can point a Ravenel buyer toward attorneys who handle title work directly rather than through a referral alone.