Title insurance on a house I already own?

You are confusing the Loan policy with the Owner's policy (and so are the majority of people who answered).

Your lender may require a Loan policy. If you want the loan, you will have to get the Loan policy.

Your Owner's policy from the original purchase would still be in effect.

You don't need to remove your husband's name from the policy as it makes no difference in coverage. His name simply turns into "The Estate of ....".

In CA the answer to this question would be yes. Anytime you buy a home, refinance whatever title companies make sure that the property in free of all encumbrances and makes sure all appropriate people are on title. Having your lat husband on title could pose a problem. If for whatever reason you default and there is some type of cloud on title the mortgagor can re coop all the money owed thru the title ins. You may have no choice in this issue but then again you need to take your late husband off any way so protect yourself & your family and get the ins. Good Luck!!

Whether you think it's necessary or not does not matter. The lender will at least require title insurance to cover them for the loan amount no matter how long you have owned the home. You will have to pay for that, however you do have the option to not have to pay for personal coverage and as long as a title search was performed upon the purchase of the home you have no reason to purchase it.

How do you know you have a free and clear title? Have you done a title search? Without a title search you will never know. Someone could have placed a lien on the prop without you knowing

in case you ought to be desirous to appreciate for particular that the realm you're identifying to purchase will continuously be yours, spend some hundred money and get the insurance. ought to favor to you imagine of someone knocking on your door in 20 years telling you that you're quite no longer the criminal proprietor of the valuables?

Yes, the lender wants to make sure you house has no particular liens. Your lender should be able to explain the type of policy they want and your options.

Hi, May be worth while if it is not that expensive. I am from Massachusetts and in CT the Indians came in and took land .. you just never know.

No, it's a change in ownership thing to protect you against leins. So as long as you know it's clear tell them to stop scamming you!!