Why Title Insurance When you purchase a home or any other type of real estate, you’re not receiving the land itself, but you are acquiring the title of the property. Title issues can threaten the interest your mortgage lender holds in your property. Title insurance is a one-time payment and is a way to protect your property against any defects that may already be existing in the title. It's a way to protect your property, cover your heirs, reduce risks and give you a piece of mind.