> Although new to New Zealand, Title Insurance has been around overseas for over 130 years - the cover it provides for off title risk has been proven to be relevant and of real value in similar title jurisdictions.

> Where did Title Insurance originate?
> What Is Title Insurance?
> Does someone have to be at fault before I can make a claim?
> What risks does a title insurance policy cover for a Home Owner?

In the case of a Home Ownership Protection Policy, the owner is covered for the following risks:

> failure to register any documents to achieve ownership of the property;
> failure to register a mortgage with the right priority;
> anything that would have been revealed by a LIM report causes loss;
> something not shown on a LIM report causes loss;
> loss through fraud and forgery including duress, incompetence, incapacity or impersonation;
> a document not being properly signed;
> lack of building permits for any existing structures;
> other people's property encroaching onto the land of the insured land or part of your property encroaching onto your neighbour's;
> lack of legal access to the land.

These are only some of the risks covered.

Click on Claims Examples to read about situations in New Zealand where Title Insurance would have prevented a lot of hassle and concern for purchasers.

> What risks does a title insurance policy cover for a Lender?
> Title Insurance is an American concept - does it work in any other countries with a > > title system like ours?
> Why do we need title insurance in New Zealand when the Government guarantees > > title to land?
> Doesn’t using a lawyer protect me?
> What additional level of comfort does Title Insurance provide?
> I’m buying a property so I can re-develop it, does the policy cover this?
> How does the policy fit within my current insurance portfolio?

Click on Claims Examples to read about situations in New Zealand where Title Insurance would have prevented a lot of hassle and concern for both purchasers and lenders.