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What’s the difference between Owner’s Title Insurance and Lender’s Title Insurance?

Getting title insurance for your Maine home is important, but if you’ve talked much with your real estate agent about what’s required, you may have heard both owner’s title insurance and lender’s title insurance mentioned. It’s true that there are two different policies, but many buyers wonder why it’s necessary to have both. The reason is because of the way the policies are structured, how long they last, what they cover, and who they protect. As their names indicate, the owner’s title insurance protects the buyer, and the lender’s title insurance protects the bank or mortgage company. READ MORE

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What’s the difference between a regular title insurance policy vs. enhanced?

A Title insurance policy is very important when buying a home. If you’re looking at all the beautiful Maine real estate and considering making the state your home – or the location of your vacation home – you’ll want to make sure your interests are protected. Additionally, the lender that gives you the mortgage on your home will also want protection, in the form of a title insurance policy. All polices are not created equally, though, and you will need to decide between a regular title insurance policy and an enhanced policy, depending on your specific needs. READ MORE

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