Is an owner's title insurance policy required?

An owner's policy is not legally required in most states, but it is strongly recommended. Without it, you bear the full financial risk of any title defect discovered after closing — including claims by prior owners, unknown liens, or forgery in the chain of title. The one-time premium is typically a small fraction of the purchase price.

How is the title insurance premium calculated?

Title insurance premiums are based on the purchase price (owner's policy) or loan amount (lender's policy) and are set by state-regulated rate schedules. Rates vary by state and underwriter. Eastern Title provides an itemized estimate as part of your closing disclosure so there are no surprises.

Can I shop for my own title insurance company?

Yes. In most states, buyers have the right to choose their own title company regardless of what the seller, agent, or lender recommends. Choosing Eastern Title directly may result in cost savings and gives you a settlement team that works for you — not for a preferred vendor relationship.

Does title insurance cover future issues?

Title insurance covers defects that arose before your closing date — not issues that arise afterward. For example, if you take out a home equity loan after closing and default, that lien is not covered. However, any claim rooted in a pre-closing ownership defect remains covered indefinitely under your owner's policy.

What underwriters does Eastern Title work with?

Eastern Title issues policies from ALTA-member underwriters including Fidelity National Title, Old Republic National Title, and others depending on the transaction type and state. All policies are backed by underwriters with A-rated financial strength ratings.

Resources

Wire InformationSecurely submit your banking details for wire transfers.

Earnest Money DepositsSubmit earnest money deposit details for your transaction.

DocumentsDownload seller and buyer checklists, letters, and forms.

Real Estate Top PerformersWatch real estate market conversations and homebuyer tips.

Title Insurance in Silver Spring, MD

Owner's and lender's title insurance policies that protect your investment against hidden defects, fraud, and claims against your property.

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About Title Insurance in Silver Spring

A one-time premium at closing provides lifetime protection for you and your lender. Owner's policies guard against prior claims, forged documents, missing heirs, and recording errors. According to ALTA (American Land Title Association), title insurance resolves thousands of claims annually that would otherwise threaten homeowners' equity. We issue policies from the nation's leading underwriters so you're covered long after closing day.

Our Silver Spring title professionals understand the specific requirements, county recording offices, and local real estate customs that affect your Maryland transaction. Whether you are a first-time buyer or an experienced investor, we provide the same professional, attentive service from contract to close.

How It Works

1.Submit Your Order — Fill out the form with your property and contact details.
2.We Review & Reach Out — A Silver Spring team member contacts you within one business day.
3.Close With Confidence — We handle title, settlement, and recording so you close on time.

Why Eastern Title in Silver Spring

✓Licensed title professionals serving Maryland
✓Deep knowledge of Silver Spring county recording offices and local customs
✓Full-service: title search, insurance, and settlement under one roof
✓Same-day response during business hours

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