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Home/Real Estate/Title Insurance
Real Estate
Owner's + Lender's policies

Get title insurance. Owner's policy + lender's policy.

Title insurance protects against losses from defects in the property title: forged deeds, undisclosed heirs, recording errors, fraud. Owner's policy protects the buyer (one-time premium, coverage for as long as you own). Lender's policy protects the mortgage lender. We refer you to title insurance underwriters, compare quotes, and connect to the right settlement agent for your transaction.

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All 50 states + DC 60-day money-back SOC 2 Type II
How it works

How we handle Title Insurance, end-to-end.

Title insurance protects against losses from defects in the property title: forged deeds, undisclosed heirs, recording errors, fraud.

1

Transaction details

We assess: property type (commercial/residential), purchase price, financing structure, jurisdiction. Each affects which title underwriters compete and at what rate.

2

Underwriter comparison

We solicit quotes from major underwriters (First American, Stewart, Old Republic, Fidelity National, plus regional). Different underwriters have different strengths by region and property type.

3

Settlement agent matching

Title insurance issued through a settlement agent (escrow or attorney depending on state). We match to the right local agent who can close on your timeline.

4

Closing coordination

Settlement agent handles closing logistics: title search, document recording, escrow, funds disbursement. We stay involved through closing to address issues.

What we'll set up for you

A clean handoff, in four steps.

You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.

01 · Name + Brand

A name that's actually available.

Real-time check against the state register, USPTO trademark database, and matching domains.

02 · State filing

Filed with the Secretary of State.

We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.

03 · Federal IDs

EIN + the right tax setup.

Federal Employer ID with the IRS, plus state tax accounts when your business needs them.

04 · Stay compliant

Registered Agent + deadline tracking.

Your agent on file in every state, with every renewal and annual report tracked in one calendar.

Pricing

Transparent title insurance pricing.

Government fees pass through at cost. No upsells.

Single transaction

$0
Free referral.

Free referral for one transaction. Underwriter and settlement agent quoted. You pay title premium at closing (passes through, not marked up).

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Portfolio program

$0
For repeat buyers.

Free portfolio program for real estate investors, developers, or fund managers buying multiple properties. Negotiated rates and dedicated underwriter relationships.

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Commercial mega-deals

$0
For $50M+ transactions.

Multi-underwriter syndication for commercial deals over $50M. Coordinated title insurance across multiple underwriters when single underwriter capacity is insufficient.

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FAQ

About the Title Insurance Referral Service.

What is title insurance?
Title insurance protects a property owner or lender against losses from defects in a property's title, such as liens, ownership disputes, or errors in public records, that existed before the purchase. It is standard in real estate transactions, and we help set up the entity that will hold the property so the purchase is clean.
Do I need title insurance when buying property in an LLC?
Generally yes: whether you buy in your name or an LLC, title insurance protects against pre-existing title problems, and lenders require a lender's policy. Holding the property in an LLC does not remove the need. We set up the LLC so the purchase and title work together.
What is the difference between owner's and lender's title insurance?
A lender's policy protects the mortgage lender up to the loan amount and is usually required, while an owner's policy protects your equity in the property; both cover pre-existing title defects but different interests. We flag how they fit a purchase held in your investment entity.
What does title insurance cover?
It covers losses from title defects that predate your purchase, such as undisclosed liens, forged documents, errors in the public record, or competing ownership claims, along with the legal cost of defending your title. We help structure the entity so the property is held cleanly on top of that protection.
Is title insurance a one-time or recurring cost?
It is generally a one-time premium paid at closing, unlike most insurance, and the owner's policy lasts as long as you own the property. We flag it as part of the acquisition so it is factored into a purchase held in your property LLC.
Does transferring property to an LLC affect title insurance?
It can: moving a property you already own into an LLC may affect an existing owner's policy, so you check whether the policy carries over or needs an endorsement. We sequence the transfer and flag the title question so your coverage is not inadvertently lost.
Who handles title insurance in a transaction?
Typically a title company or closing agent runs the title search, resolves issues, and issues the policy at closing, coordinating with the lender and parties. We focus on the entity that holds the property and flag the title steps so the ownership side is clean.
Why hold real estate in an LLC with proper title?
Holding property in an LLC isolates its liability while title insurance protects the ownership itself, so together they protect both your other assets and your claim to the property. We set up the entity so it and the title work together for an investor.
Can File.Business help me set up property ownership?
We form the property-holding LLC, handle the entity and any deed and lender steps, and flag the title-insurance and closing considerations, so your real estate is held in a clean, protected structure rather than in your personal name.

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SOC 2 Type II audited
220,000+ businesses. 60-day money-back. State fees passed through at cost.
Your operating system, not a transaction
Every deadline auto-tracked across your entities. Compliance Score visible year-round.
Transparent pricing
No hidden fees. No upsells at checkout. State fees disclosed upfront.

Start your business in the next 5 minutes.

No state-fee markup. Pay only the state fee. 60-day money-back guarantee.

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Registered Agent in any stateStart
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