What does title insurance actually protect you from?

Title insurance shields a buyer from a hidden problem in a property's ownership history, things like an old mortgage that was never properly released, a boundary or survey dispute, or a forged deed somewhere in the chain of ownership. If one of these surfaces after closing, the policy covers legal costs to defend the claim and covers a financial loss up to the policy amount if the buyer's ownership is actually affected. Because these risks can be invisible even after a careful title search, this protection matters on every purchase, not only an older home. Brian Beatty works with attorneys who can explain these risks for a specific property.