How often is title insurance paid for?

Title insurance is typically paid for with a one-time premium at the closing of a real estate transaction. This means that a buyer pays for the title insurance policy only once, and it protects their property rights against issues such as liens or claims that may arise based on past ownership of the property.

Unlike other types of insurance, which may require ongoing premium payments (like annual or monthly plans), title insurance remains effective for as long as the insured person or their heirs hold interest in the property.

In this context, while there might be scenarios where other options could seem relevant, such as properties changing ownership or titles being revisited, those do not change the nature of title insurance being a one-time payment. This one-time payment structure provides clarity and certainty to buyers, making it a straightforward aspect of real estate transactions.