If you have recently purchase a property and paid for an Owner's Policy, that policy will be sent to you or your attorney as soon as the Title Agency is in the position to insure the title. This typically happens after all conditions of loan and purchase have been satisfied and the Deed, Mortgage and any other recordable documents have been received and indexed by your County or City Clerk.
If you purchased a property and paid for title insurance, but never received a copy, you can simply contact the title agency that did the work and request a copy. If they do not provide you with your requested copy, contact their insurance underwriter and they will resolve the issue and make sure you are provided with a copy of the policy.
An Owner's Policy is good for a long as you own the insured property, whether that be 1 year or 100 years. Title insurance is non-transferrable and insures your interests against the "history" of the property, such as prior owner's acts, mortgages, liens, etc.
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