Title Insurance is required on all homes. This protects you in the event somebody stakes a claim on the home. It is normal to have a clear title as a contingency on the sale. The title search is usually paid by the seller. The title insurance is prepaid and paid only once at closing. This covers you for the entire time you own the home.

If a title search indicates there is an easement on the property, this means that somebody else is allowed to use the property permanently. This can be cleared up if the person or persons authorized to use the property signs a quitclaim deed.

If there is an encroachment on the property, this means something you own may be on another's property or something someone else owns may be on your property. Again, a quitclaim deed may be used to clear this up if all parties involved agree.