Most homebuyers don't realize they can choose their own title company — and that choice can save you hundreds of dollars at closing. Don't let someone else make this decision for you.
🔒 Free. No obligation. Takes 60 seconds.
* Source: American Land Title Association (ALTA) consumer survey — less than half of homebuyers reported being informed of their right to obtain an owner's title insurance policy or to choose their own title company. † Source: Consumer Financial Protection Bureau (CFPB) — research indicates that borrowers who shop for title services independently can save Upto $500 or more compared to lender-referred providers.
Title insurance protects your biggest investment — your home — from hidden legal problems that existed before you bought it. Liens, fraud, ownership disputes, clerical errors. You pay for it once, at closing. And most buyers have no idea they get to choose who provides it.
Owner's title insurance can protect against covered title problems from before you bought the property — including unpaid prior taxes, forged deeds, unknown heirs, and certain public-record errors. Coverage depends on the policy terms, exclusions, and exceptions.
There are two policies: the lender's policy (protects your bank) and the owner's policy (protects you). The lender's is required. The owner's is optional — but it's the one that actually has your back.
Under federal law (RESPA), you have the legal right to select your own title company. Yet fewer than half of buyers are ever told this. Lender- or agent-referred companies often carry hidden fees that benefit the referrer — not you. The CFPB confirms that shopping independently can save buyers Upto $500 or more on title services at closing.
Coverage depth, turnaround speed, customer service, and price all vary significantly. A thorough title search is the difference between full protection and a policy that's more paper than promise.
Fill out our short form below. We ask a few basic questions about your property and situation — no sensitive financial information required.
One of our partner licensed title experts will reach out within one business day. They'll review your situation, answer your questions, and explain exactly what coverage makes sense for you.
Our partner licensed title experts will walk you through your options, identify coverage gaps, and help you choose cost-effective protection with competitive pricing.
"I had no idea I could choose my own title company. My agent always directed me to theirs. TitleBuddy found a prior lien on my property that would've been my problem — they caught it before closing."
"We were closing in three weeks and felt rushed. Their team walked us through everything clearly and got our owner's policy set up fast. I now tell every friend buying a home to call them first."
"Three years after buying our house, an old estate claim surfaced. Because of our owner's title policy, I paid nothing. The insurance company handled everything. Worth every penny — and then some."
Takes 60 seconds. A licensed specialist will contact you within 1 business day.
A specialist will reach you within 1 business day.
"TitleBuddy found a prior lien on my property that would've been my problem — they caught it before closing."
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Thanks! A licensed title specialist will reach out to you within 1 business day to review your coverage. Keep an eye on your phone and email.
Yes — absolutely. Under the Real Estate Settlement Procedures Act (RESPA), you have the legal right to choose your own title company. Your lender or agent cannot require you to use a specific one, though they can make a recommendation.
Possibly not. If you didn't get an owner's title policy at closing, there may still be options. And if you did get one, a review ensures the coverage is adequate. Title claims can surface years after purchase.
The review and consultation are completely free. If you decide to get a title policy through us, we'll give you a clear, upfront quote — typically a one-time fee paid at closing that varies by property value and state.
Homeowners insurance covers future events (fire, theft, flooding). Title insurance covers past events — hidden legal issues from before you owned the property. You need both, but they protect against completely different things.
No. Our team works within your timeline. We handle title work efficiently and communicate proactively so there are no surprises. In many cases, working with a responsive, independent title company speeds things up.
Thousands of homeowners discover title issues every year — after it's already a problem. Get your free review today.
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