Confused about lender's title insurance? Here's exactly what it covers, why your bank requires it, what it costs in VA/MD/DC, and whether you also need an owner's policy.
You're a few days from closing, you're staring at your loan estimate, and somewhere on page two there's a line item that says "lender's title insurance." Nobody explained it. Your loan officer might have glossed over it. And now you're wondering what, exactly, you're paying for.
Here's the honest answer: lender's title insurance protects your bank, not you. And that's not a scam — it's a reasonable condition of lending you several hundred thousand dollars. But understanding exactly what it does (and doesn't) cover is important before you sign.
This is the guide I wish existed at every closing table in Virginia, Maryland, and DC.
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DMV title services: Vienna, VA | Springfield, VA | Bethesda, MD
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Pruitt Title serves buyers, sellers, and lenders across Virginia, Maryland, and Washington, DC. We make closing simple.
