How Long Does Title Insurance Last?

When you buy a home or other real estate in Arizona, you’ll likely purchase title insurance at closing. But unlike most types of insurance, it doesn’t come with monthly premiums or yearly renewals.

So how long does it actually last? The answer: For as long as you (or your heirs) own the property.

A One‑Time Payment That Protects You for Years

Most insurance policies — like auto, health, or homeowner’s — require ongoing payments to maintain coverage. Title insurance is different. You pay a one‑time premium at closing, and your coverage remains in place:

• Owner’s Policy – Protects your ownership rights for as long as you own the property. If you pass the property to your heirs, they’re covered too.

• Lender’s Policy – Protects your mortgage lender’s interest in the property until the loan is paid off or refinanced.

Why This Matters

Title insurance covers issues that could threaten your ownership, including:

• Unpaid liens or taxes that weren’t discovered before closing.

• Fraudulent claims of ownership.

• Recording errors in public documents.

• Unknown heirs who appear years later claiming rights to the property.

Even if a claim arises decades after your purchase, your policy still protects you — without another dime out of your pocket.

The Value of Lifetime Protection

Buying a home is one of the largest financial commitments you’ll ever make. Title insurance offers peace of mind that your investment is safe for the entire time you own it.

At Arizona Premier Title, we make sure you understand your coverage and how it protects you — today, tomorrow, and well into the future.