Title Defect Simulator
Explore real-world title defect scenarios and see how title insurance protects you. Walk through liens, forgeries, and recording errors to understand the risks.
What Could Go Wrong?
Pick a scenario and see the financial impact with and without title insurance.
Loan: $320,000Equity: $80,000
The Unpaid Contractor
The previous owner hired a contractor to renovate the kitchen but never paid the $28,000 bill. The contractor filed a mechanic's lien on the property. After you close, the lien transfers to you.
Financial exposure: $28,000
You pay
No Insurance
You're on your own
$28,000
Out of your pocket
Bank covered, not you
Lender's Only
Protects the bank
$28,000
Out of your pocket
Covered
Owner's Policy
Protects you
$0
Title insurance handles it