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Metro Detroit

Owner's Title Policy in Metro Detroit

Compare verified title companies for an owner's title insurance policy on your home or investment property. Get free quotes and buy with confidence.

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0Title Companies profiles
6Metro counties
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Rebuild Detroit is not a title agency, title insurer or law firm and does not give legal advice; information here is general.

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Local to Metro Detroit: Detroit, Wayne, Oakland, Macomb and more
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Before you hire

Owner's Title Policy in Detroit: what to expect

An owner's title policy in Detroit protects the buyer's ownership against covered title defects that existed before the purchase, such as forgery, a missing heir, an undisclosed lien or a recording mistake. The lender's policy protects only the bank; the owner's policy is what protects you and your equity.

That matters in Metro Detroit, where many homes and lots in Wayne, Oakland and Macomb counties have passed through estates, land contracts or tax foreclosure. If a covered claim arises, the underwriter can defend your title or pay covered losses up to the policy amount, subject to the policy terms and exceptions.

Cash buyers and investors should consider one too. Compare policy terms with title insurance basics, or compare title companies near Detroit. Rebuild Detroit is not a title agency or law firm, and this is general information, not legal advice.

What a proper job includes

  • Title search and examination for the purchase
  • A commitment listing requirements and exceptions
  • Standard or enhanced owner's coverage options
  • Endorsements where available
  • Policy issued after closing and recording
  • Guidance on how to file a claim

What drives the price

  • Purchase price and policy amount
  • Standard or enhanced coverage
  • Endorsements added
  • Whether a lender's policy is issued at the same time
  • Title history and exceptions to clear
  • Who pays under the purchase agreement

Rebuild Detroit does not publish price ranges. Get written quotes for the same scope and compare.

Licensing and records in Michigan

In Michigan, title insurers and title insurance agents are regulated by the Department of Insurance and Financial Services (DIFS), which licenses title producers and agencies. Search the agent, agency or underwriter in the DIFS locator before you send money.

After closing, your deed is recorded with the county register of deeds, and you file a Property Transfer Affidavit with the local assessor within 45 days of the transfer.

Verify: DIFS insurance licensee and agency search Wayne County Register of Deeds Michigan notary search (Department of State) How We Vet

How to compare quotes

  1. Ask whether enhanced owner's coverage is available for your property.
  2. Read every Schedule B exception and ask about removing any you can.
  3. Confirm the policy amount matches your purchase price.
  4. Check the agent or agency in the DIFS locator.
  5. Confirm wiring instructions by phone at a number you already know.

Ready to get started?

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Common questions

Owner's Title Policy FAQ

It is usually optional, but it is the only title policy that protects the buyer. The lender's policy protects only the lender.
It depends on the purchase price, coverage level, endorsements, whether a lender's policy is issued too, and who pays under the purchase agreement.
It covers what the policy covers, less listed exceptions. Tax foreclosure history can add exceptions, so read the commitment closely.
Coverage generally lasts as long as you or your heirs hold an interest in the property, under the policy terms.
Yes, it is worth considering. Cash buyers have no lender's policy, so an owner's policy is their only title insurance protection.

Get owner's title policy quotes from local pros

Compare Metro Detroit title companies and confirm credentials, scope and cost drivers before you hire.

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