What is the Title Commitment?

What Is the Title Commitment in Real Estate?

If you’re buying a home in Arizona, one of the most important — and often misunderstood — documents you’ll receive is the title commitment. It’s sometimes called a commitment for title insurance, and it’s essentially the roadmap to your property’s title.

At Arizona Premier Title, we want every buyer to understand this critical document before they sign on the dotted line.

What Is a Title Commitment?

A title commitment is a written promise from the title company that they will issue a title insurance policy once certain conditions are met.
Think of it as a preview of your final title policy — showing who owns the property now, what needs to be resolved before closing, and any limitations to your coverage.

What’s in a Title Commitment?

Most title commitments have three main sections:

1. Ownership Details

  • States who currently owns the property.

  • Confirms that the seller has the legal right to sell.

2. Conditions for Coverage

  • Lists requirements that must be met before the title company will insure the title.

  • May include paying off liens, providing legal documents, or resolving boundary issues.

3. Exceptions to Coverage

  • Identifies matters that will not be covered by your title insurance policy.

  • Examples include easements, covenants, or restrictions that remain even after closing.

Why the Title Commitment Matters

  • Protects Buyers – Shows exactly what you’re getting — and what you’re not — before you close.

  • Prevents Surprises – Helps you catch issues early, before they become costly problems.

  • Guides the Closing Process – Outlines the steps needed to deliver clear, insurable title to you.

Buyer’s To‑Do List

  • Review Carefully – Don’t skim it; this is the “fine print” of your ownership rights.

  • Ask Questions – Your title company or real estate agent can explain anything that’s unclear.

  • Confirm Exceptions – Make sure you understand any easements or restrictions that will remain after you take ownership.

The Bottom Line

Your title commitment is more than just paperwork — it’s a blueprint for your property’s ownership. By reviewing it carefully and working with an experienced title company, you can ensure there are no surprises when you get your keys.

✅ At Arizona Premier Title, we guide you through your title commitment so you understand every detail before closing day.