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Your original premium amount is your only cost as long as you own the property and you will be protected against any unexpected claim covered by your policy. Real estate is such a basic form of wealth that there are many special laws that protect ownership of land and the buildings that are built on it. As your title company, Southwest Title will perform a title search and uncover any unpaid taxes, mortgages, judgments against current and previous owners, easements and other court actions or recorded documents which can affect the title of the property. As your title company, Southwest Title will perform a title search and uncover any unpaid taxes, mortgages, judgments against current and previous owners, easements and other court actions or recorded documents which can affect the title of the property. Your title insurance policy is your shield of protection and will defend your ownership against loss. Your original premium amount is your only cost as long as you own the property and you will be protected against any unexpected claim covered by your policy. Title Insurance protects you against past claims and title faults. Real estate is such a basic form of wealth that there are many special laws that protect ownership of land and the buildings that are built on it. Your title insurance policy is your shield of protection and will defend your ownership against loss. Why do homeowners need title insurance? Because any home, no matter how new or apparently secure, is built on land that has, undoubtedly, had many owners. Why do homeowners need title insurance? Because any home, no matter how new or apparently secure, is built on land that has, undoubtedly, had many owners. Whenever, you buy property, the owner who is selling it to you has rights, as do their family and heirs. Title Insurance assures you that the home that you are purchasing is safely yours. 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