> 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?
> 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?

The Home Ownership Protection Policy does not cover commercial and development risk. It covers you for what the property is and not what you might like it to be.

It insures that there is no legal impediment to your use of the property in its current state as your home.

If you are buying a property with the intention of re-developing it for profit or running a business from it, you should consult a lawyer and consider other forms of protection.

> 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.