Lenders Title Insurance: What It Is, Who Pays, and Why It Matters at Closing

If you're buying a home or refinancing in the DMV — Virginia, Maryland, or DC — you're going to see a line item on your closing disclosure for lenders title insurance. Most buyers glance at it and move on. But understanding what it actually does, who it protects, and why it's required can save you confusion at the closing table and potentially money in your pocket.