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Title insurance is fundamentally different from property and casualty insurance or other insurance products, where most of the upfront cost is marketing. Title companies incur significant upfront expenses related to conducting public records searches and rectifying any problems found before the buyer closes on the home. For a one-time fee that typically costs the borrower approximately 0.5% of the home’s purchase price, less than most all other fees involved in the mortgage process over the life of a loan, title insurance companies ensure clear property ownership rights for home buyers and provide comprehensive coverage if a problem arises.