ImageTitle Insurance – Get Quotes, Buy Title Insurance Policy Online in India

The Benefits of Title Insurance

Meets Legal Requirements

Our Title insurance helps promoters meet legal requirements as manadated by law under the Real Estate Regulation and Development Act. Title insurnace further helps developers and promoters provide Title cover for existing properties and under construction real estate projects.

Cost Effective

In Title insurance policy, a buyer can receive protection against possible title defects such as forgery, liens, encrumbrances, fraud, by paying a reasonable amount of premium. Premium amount is paid one- time and is a modest amount in relation to the value of the property.

Safer Transactions

Title insurance facilitates safer and faster sale or purchase transactions. If there are known defects in title, insurance can help in closure of the delay fast without fixing the defect in title. The defect needs to be disclosed at policy inception, and underwritten by the insurer.


Fast Claims Settlement

Claim settlement process for Title insurance is fast and simple. Turnaround times are regulated by the IRDAI. Claim process and documentation are handled by industry experts in order to ensure that claims get processed faster and efficiently and documentaton is complete.

Quick Guide to Title Insurance

What Is Title Insurance?

Title insurance is a type of liability insurance that protects lenders and owners of properties from financial loss occurring due to defects in a title to a property. Such an insurance is designed to protect real estate dealers with the most common claims filed such as back taxes, liens, and conflicting wills. Under the title insurance we have two types. One is the lender's title insurance, which the borrower purchases to guard the lender, and the other type is owner's title insurance, which is usually paid by the seller to protect the buyer's equity in the property.

Features and Benefits of Title Insurance

Below are the benefits of title insurance policy:


Indemnification of Insured or Third Party: The policy has broad coverage scope and indemnifies the insured for actual losses suffered by them or losses suffered by a third party. Indemnification could be on three counts. First, to reimburse losses suffered by a third party. Second, pay costs of defending legal claims on the property. Finally, to reimburse actual losses suffered by the insured due to decrease in market value of the property due to defects in title.


Compensation for Unplanned Encumbrance: If a third party claims a legal right that prohibits construction or development of the property, the policy could get triggered. Insurers can help defend the legal right in court or compensate for the loss of value in the property due to the lien or compensate for the breach of the restriction on the property.


Cover for legal costs and claim assessments: If a third party makes a claim related to an adjoining area of the concerned property that prohibits development, the insurance could help. Such cases are typically accompanied by a third party making a demand for compensation to allow development. Insurers can help challenge the third party’s claim to such adjoining property, and vacate the hindrance. Insurers will reimburse the cost of lawyer fees and claim assessment.

Why do you need Title Insurance Policy in India

Not having title insurance can expose both the transacting parties, in a real estate business, to significant risk of title defect. Any property can have an associated risk of unpaid taxes associated with it, which can pile up the financial burden for the homebuyer. A title insurance hence, can cover the buyer for as long as they own the property or have invested interest in it. Without title insurance in place, the financial burden of the claim for back taxes will solely come on to the buyer which can be distressing. Similarly, a lender’s title insurance can cover banks and other mortgage lenders from unrecorded liens, access rights and/or other known-unknown defects.

What are the types of Title Insurance

There are two known types of title insurance: lender’s title insurance and owner’s title insurance.

Lender’s title insurance: Lender’s title insurance is required to get a mortgage loan. This insurance protects the lenders against problems with the title to your property. So, If someone sues with a claim against your home then the lender’s title insurance policy will cover claims that affect the lender’s loan.

Owner’s title insurance: Owner’s title insurance will provide protection to the homeowner if someone sues them for a claim against the home from before the homeowner has purchased it.

How to buy Title Insurance Police online in India

Buying a title insurance policy is really easy. We, at SecureNow, understand that title insurance is a very critical and complex policy that requires us to know your requirements clearly. That’s the reason we would like to ask you to share your basic details in the form above along with the gross development value of the project/property in Cr. Then you can see a basic ball-park value of the premium which will give you an idea of the cost. You have to click on “buy now” and a title insurance expert will get in touch with you in no time to collect your requirements and share quotations with you. Whole of the process is online, hassle-free and fast.

Frequently Asked Questions

Yes, a title insurance is necessary as it can provide cover against below incidents:
  • Losses due to title issues (indemnifies property buyers against problems in the title found after purchase
  • Defense costs in case of legal liabilities
  • out of court settlement
  • Cover for court verdicts including AO/Tribunal under RERA
  • Title insurance is a very useful policy that provides cover against litigations arising for both lenders and buyers due to any defects in a title to the property. So, this should be bought by both buyers and lenders who deal in property or transfer of property ownership.
    Title insurance policy benefits below mentioned groups, so they should definitely consider buying such an insurance:
  • Real Estate Developers who are obligated under the Act to purchase the insurance
  • Property investors who are engaged in joint ventures with developers and who wish to protect their investments
  • Housing Finance Companies
  • Land Owners
  • Insuropedia

    What are the requirement stemming from RERA on title insurance?

    Title insurance protects against financial losses arising due to fraud or title disputes. It will add a protective layer to the property buying event. In a title insurance policy, the premium amount is paid once for the entire tenure.

    This is a must-have insurance policy for promoters of all new and ongoing property developments registered with the regulatory body.

    Read More

    What are the benefits of title insurance policy?

    Title insurance is an emerging insurance product in the Indian market. It provides aid to resolve ownership issues, frauds like forgery, past land title defects, etc. It offers greater confidence to home-buyers or owners, developers of residential projects, and real estate businesses. So, What are the benefits of a title insurance policy?
    Read More

    What is Title Insurance? What does it cover?

    Title insurance addresses title defects when the property changes hand. It is a form of indemnity insurance which helps in curing title defects. This policy tackles title problems such as undisclosed heirs making claims for the property, mistakes by recording a document or property taxes not paid by prior owner etc.

    Title insurance ensures good title at the time when the property is sold i.e. clear of encumbrances. Be it fraud, forgery, undisclosed heirs or spousal claims, this policy handles various types...

    Read More

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