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Birmingham, Oakland County

Owners Title Policy in Birmingham, MI

Compare title companies who handle owners title policy in Birmingham, see what the job includes, and get free quotes in minutes.

Owners Title Policy in Oakland County
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Owners Title Policy in Birmingham

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The job

What owners title policy usually 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
Price

What drives the cost of owners title policy in Birmingham

  • 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
  • The age of the home: the typical Birmingham home was built around 1960, so older materials, lead-safe rules and hidden damage can add time

Before you hire in Birmingham

Lead-safe work rules apply to most homes

The typical home in Birmingham was built around 1960. Painting, window, siding and remodeling work that disturbs paint in homes built before 1978 must follow the EPA lead-safe (RRP) rule. Ask any contractor for their RRP certification before work starts.

Older plumbing and sewer lines

50% of homes here were built before 1960, when cast iron drains, clay sewer laterals and galvanized supply pipe were standard. A sewer camera inspection before buying or remodeling is cheap insurance.

Permits: check with the Birmingham building department before work starts.

Compare quotes

How to compare owners title policy quotes

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

Other title company services in Birmingham

Owners Title Policy near Birmingham

Owners Title Policy in Birmingham: 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.
Compare the pros on this page, starting with verified and claimed profiles, or send one free request and it goes to pros who serve Birmingham.
It depends on the scope. Ask the Birmingham building department, and expect a licensed contractor to pull any permit the job needs.

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2026 lists

The 2026 list

For title companies: be one of 5 on the Best Title Companies for Owners Title Policy in Birmingham of 2026 list5 of 5 spots left
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