What Risks Are Covered By A Title Insurance Policy? 

09/21/2026 11:21 AM       Mark Goodman

Your title company will conduct a thorough title investigation during the due diligence stage of the purchasing process to look for any potential issues that need to be addressed prior to closing. They catch problems the vast majority of the time, but on rare instances, an undiscovered issue slips by them through no fault of their own and can cause problems for the buyer days or decades after closing. 

To prevent these title issues from becoming a major headache for the new property owner, it’s usually recommended that commercial real estate purchasers secure an owner’s title insurance policy after closing. Title insurance can be secured for a one-time fee and provide coverage for as long as you own the property. 

But what type of risks are covered in an owner’s title insurance policy? We run down some of the coverage benefits you get with an owner’s title insurance policy in today’s blog. 

What’s Covered With An Owner’s Title Insurance Policy? 

An owner’s title insurance policy protects you against a myriad of title problems, but what specific issues will likely be covered by your policy? You’ll sit down with your title services agent and go over the list of covered items, but most policies typically protect the property owner from the following title issues: 

• Errors in public records 

• Invalid deeds 

• Undisclosed heirs 

• Newly discovered wills 

• Encumbrances that are the result of fraud or forgery 

• Tax liens 

• Mechanic’s liens 

• Homeowner’s Association liens 

• Access rights 

• Boundary disputes 

As you can see, you’re covered against a variety of issues that could arise at some point during your ownership. Considering that you can secure coverage for decades for one flat fee, it’s a no-brainer to secure this type of financial protection and peace of mind when purchasing commercial property. 

To learn more about title insurance options or to get set up with a policy suited to the unique needs of your commercial property, connect with the team at Commercial Partners today at (612) 337-2470.