Title insurance will guarantee that no one else can claim your property. It also gives you assurance that you will not face unexpected debts from your 
property. Even if you have owned your property for many years, unforeseen issues can surface that may put your ownership in jeopardy. Your Pennsylvania title insurance policy means that your lender is reassured in their loan, and you are reassured as to possible problems with your property.
Several problems can surface when buying a house. A previous owner could have taken out a loan on the property, which would become the new owner’s debt. In a separation or divorce, the previous owner could have taken out a mortgage without their partner knowing. A lost heir could appear and stake a claim to the property. Title insurance will protect owners from all of these claims.
If one of these problems does in fact occur and you do not have title insurance, you could be forced to move out. You could also legally be required to pay a debt on a house that is no longer yours. If you have fee title insurance, the title company will handle any litigation or payments towards your case. In the very rare case of title loss on your property, the title company can pay you or buy the mortgage from the bank.
