Lien on Me… and Then Some

Could that be a tagline for Title Insurance?

Whether you buy a home or already own one, title Insurance can protect you against risks that threaten your title for as long as you own the property, and all for a one time fee of around $300.

Much of a Title Insurance Policy itemizes what's covered, what's not covered, limitations and conditions, as well as exceptions to coverage. Coverage starts on the date of title registration (the closing date).

The following gives examples of what a title policy can cover once you own your property.    


  • Liens on title due to a mortgage, judgment, tax, special assessment or public utility or a charge by a condominium corporation; liens due to a local improvement charge for the portion before the policy date; mechanics, builders' or construction liens dating prior to the policy;
  • Someone else owns an interest in your title, has a right arising out of a lease, contract or option, has rights arising out of forgery or impersonation, has an easement on your land or has the right to limit the use of your land.
  • An improperly signed document, making title invalid, and incorrect written statements by Authorities that indicated no defects regarding compliance with building and zoning bylaws;
  • The address of home is not located on the land at policy date;
  • Claims arising our of fraud, duress, incompetency or incapacity;
  • Problems of access to the property;
  • Your title is taken or you are forced to correct or remove an existing violation of a restriction or condition;
  • The property in not marketable because it violates a restriction, because of problems that would have been disclosed by an up-to-date survey, the land violates an existing zoning bylaw or your structure--or part of it--may be on land under the authority of a government agency.
  • You are forced to remove or remedy part or all or your existing structure because it was built without a building permit, it violates an existing zoning by-law, it encroaches on neighbour's property, is located on land under the power of a Government Authority, because of a notice of violation or deficiency or it encroaches onto an easement.
  • Supplemental real estate taxes, not previously assessed, for any period before the policy;
  • Rights of possession by others under family law;
  • Violations to government restrictions of the subdivision of land or to subdivision or development agreements;
  • Work orders you did not agree to be responsible for;
  • Your structure has been damaged because of a right to maintain or use an easement affecting the land;
  • Someone builds a structure that encroaches onto your land after policy date;
  • Any other defects, liens, charges or encumbrances on your title. (Source: First Canadian Title)
Cam Gray

Cam Gray

Sales Representative
CENTURY 21 Today Realty Ltd., Brokerage*
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