Understanding Title Insurance in Virginia

Dated: May 23 2026

Views: 75

When purchasing a home in Virginia, you will encounter numerous documents and fees at the closing table. One of the most critical, yet frequently misunderstood, is title insurance.

 Unlike homeowners insurance, which protects you against future events like fire or storm damage, title insurance protects you against past events. It ensures that the person selling the home actually has the legal right to sell it to you, and that there are no undisclosed liens, judgments, or claims against the property.

 There are two types of title insurance: the Lender's Policy and the Owner's Policy. If you are financing your home, your mortgage lender will require you to purchase a Lender's Policy to protect their financial interest in the property. However, this policy does not protect you, the buyer.

 To protect your own financial investment, you need an Owner's Policy. This is a one-time fee paid at closing that provides coverage for as long as you or your heirs own the home. If a previous owner's unpaid contractor places a lien on the house, or if there is a dispute over property boundaries, your Owner's Policy covers the legal fees to resolve the issue. For a few hundred dollars at closing, it provides unparalleled peace of mind.

Blog author image

Alicia Rivas

Alicia Rivas is a Hampton Roads REALTOR® and Military Relocation Professional (MRP®) serving buyers, sellers, and investors across Virginia Beach, Norfolk, Chesapeake, Suffolk, Portsmouth, Hampton, ....

Latest Blog Posts

Understanding Title Insurance in Virginia

Posted by Alicia Rivas
May 23 2026
0 comments

When purchasing a home in Virginia, you will encounter numerous documents and fees at the closing table. One of the most critical, yet frequently misunderstood, is title insurance.  Unlike

Read More

Navigating Homeowners Insurance

Posted by Alicia Rivas
May 22 2026
0 comments

Protecting your new home is a top priority. In Hampton Roads, where coastal weather is a factor, understanding your homeowners insurance policy is essential. While the state of Virginia does not

Read More

Cheshire Forest Market Update: What Your Neighbors Need to Know

Posted by Alicia Rivas
May 21 2026
0 comments

Cheshire Forest continues to show steady buyer demand in Chesapeake, Virginia, especially for homes that are priced well and presented properly.A recent example is 517 Liverpool Court, a 4 bedroom,.

Read More

Burbage Grant Real Estate Market Update: What Homeowners Should Know

Posted by Alicia Rivas
May 12 2026
0 comments

Burbage Grant Market Update in Suffolk, VirginiaThe Burbage Grant real estate market continues to show strong buyer interest, especially for well prepared, properly priced homes. One recent example

Read More

Property Search

Contact Information

Address: 237 Hanbury Road East, Suite 17-249
Chesapeake, VA 23322
Phone: 757-296-0411
Phone: 757-287-8206

Search Blog

Our Bloggers

Alicia Rivas Posts

Alicia Rivas

8 Posts