Insured Titles Missoula: Essential Title Insurance

Buying property in Missoula or Granite County isn’t always straightforward. Even after closing, you could face surprise claims like unpaid liens, forged deeds, or unknown heirs asserting ownership. Title insurance protects you from these hidden risks and defends your right to the property.

What Is Title Insurance?

Title insurance protects homebuyers and lenders from financial loss due to problems with a property’s legal ownership history. It covers:

• Undiscovered tax liens or unpaid mortgages

• Forged or fraudulent documents

• Errors in public records or survey issues

• Missing heirs or conflicting wills

There are two types:

• Owner’s policy protects the buyer

• Lender’s policy protects the bank or mortgage company

Both are typically paid as a one-time fee at closing and last as long as there’s an interest in the property.

Why It Matters in Missoula

• Missoula County titles often involve older land transfers and rural property boundaries

• Errors or oversights in past filings can surface years later

• Local providers like Insured Titles have decades of experience handling title issues specific to Montana laws and real estate history

What It Covers (And What It Doesn’t)

Covers:

• Financial loss from title defects (like undisclosed liens or ownership disputes)

• Legal defense against third-party claims

• Title-related issues missed during initial title search

Does NOT cover:

• Problems discovered before closing

• Zoning issues or property condition

• Issues caused by the homeowner after purchase

Examples of When Title Insurance Saves You

• Months after you buy, a contractor files a lien from work done by the previous owner

• A forged signature is discovered on an old deed

• An unknown heir appears with a legal claim to your house

• A boundary dispute threatens part of your land

How It Works

1. Title company researches ownership history

2. Any visible defects or liens are resolved before closing

3. Policy is issued and paid in a one-time premium

4. If something emerges later, you’re covered for legal defense and financial reimbursement up to the policy limit

FAQs

Is title insurance required in Montana?
Lender’s title insurance is usually required if you’re getting a mortgage. Owner’s title insurance is optional—but highly recommended.

How much does it cost?
The one-time cost is typically 0.5% to 1% of the purchase price, depending on the policy and provider.

How long does the coverage last?
As long as you own the home, or as long as the mortgage exists for lender policies.

Can I choose my own title company?
Yes. Buyers have the legal right to select their own title insurance provider.

Does it cover previous owner’s debts?
Yes—if those debts legally attach to the property and weren’t discovered before closing, you’re covered.

Summary

Buying a home or property in Missoula is a big investment. Title insurance ensures that investment is legally protected—today and for the future. It’s the smart choice whether you’re buying a house, land, or commercial property.

✅ Ready to secure your title the right way?

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