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Mason Lillie Title Company
(615) 814-4802
Title Insurance Services

Protect Your Property Investment with Title Insurance

Comprehensive title insurance policies that safeguard your ownership rights and defend against title defects, liens, and claims.

Get Your Free Quote(615) 814-4802

Why You Need Title Insurance

Title insurance protects what's likely your largest investment from unforeseen claims and defects in property ownership.

Ownership Protection

Protects your legal ownership rights against claims and defects in the title.

One-Time Premium

Single premium payment at closing provides coverage for as long as you own the property.

Defect Coverage

Protection against hidden title defects, liens, and encumbrances that existed before purchase.

Peace of Mind

Sleep soundly knowing your largest investment is protected from title claims.

Lender Protection

Lender's policies protect mortgage investments, often required for financing.

Legal Defense

Coverage includes legal fees to defend your ownership if a claim arises.

Types of Title Insurance

Owner's Title Insurance

Protects your ownership rights for as long as you or your heirs own the property. Pays one-time premium at closing.

  • Covers legal fees to defend your title
  • Protects against fraud and forgery
  • Covers undisclosed heirs claiming ownership
  • Protects against errors in public records

Lender's Title Insurance

Protects the lender's investment in your property. Required by most mortgage lenders and covers only the loan amount.

  • Required by most mortgage lenders
  • Coverage decreases as loan is paid down
  • Does not protect the buyer/owner
  • Transferable in refinance situations

What Title Insurance Covers

Title insurance protects you from financial loss due to defects in the title that occurred before you purchased the property.

  • Outstanding Liens: Unpaid mortgages, tax liens, mechanic's liens, or judgment liens
  • Ownership Disputes: Claims by unknown heirs or previous owners
  • Fraud & Forgery: Forged deeds, releases, or wills
  • Recording Errors: Mistakes in public records
  • Easements: Undisclosed easements affecting property use
  • Survey Issues: Boundary line disputes

Ready to protect your investment?

Call (615) 814-4802

Frequently Asked Questions

Get answers to common questions about title insurance and property protection.

Title insurance protects against financial loss from defects in title that existed before you purchased the property. This includes forged documents, unknown heirs claiming ownership, recording errors, undisclosed liens, easements, encumbrances, fraud, and other title defects. It also covers legal fees to defend your ownership if a covered claim arises.
While title searches are thorough, they can't uncover all potential issues. Hidden defects like forged signatures, undisclosed heirs, clerical errors, or fraudulent impersonation may not appear in public records. Title insurance provides financial protection and legal defense if these hidden issues emerge after your purchase, even years later.
Owner's title insurance lasts for as long as you or your heirs have an interest in the property—typically your entire lifetime and beyond. Unlike other insurance policies, you pay only once at closing, and the coverage continues indefinitely. This makes it one of the best values in property protection.
Owner's title insurance protects your equity investment in the property and is optional (though highly recommended). Lender's title insurance protects the mortgage lender's financial interest and is required by most lenders. The lender's policy decreases as you pay down the mortgage, while the owner's policy protects your full ownership interest.
Yes! In Tennessee, buyers have the right to select their own title insurance company. While your real estate agent, lender, or attorney may make recommendations, you're free to choose the company you trust most. We encourage you to compare experience, service quality, and customer reviews when making your decision.
Owner's title insurance is not legally required in Tennessee, but it's strongly recommended to protect your investment. However, if you're financing your purchase, your lender will require lender's title insurance to protect their loan. Given the one-time cost and lifetime protection, most buyers choose to purchase both policies for complete peace of mind.

Secure Your Title Today

Don't leave your property investment unprotected. Get comprehensive title insurance coverage from Mason Lillie Title.

Get Your Free Quote