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1 Hr CE Instructed by Tom Bosecker A few things every realtor needs to know about title insurance. Every lender will require it. Why? They understand its value. Your client has no rights under a lender’s policy. It only protects the named insured. Owner’s title insurance is optional under the law, but you should never discourage your client from purchasing it. It not only protects the client but protects the real estate agent by absorbing claims that may have been directed at the agent if an owner’s policy were not purchased. Title insurance benefits your client even if no claim is ever paid. How? The request for title insurance triggers due diligence requirements set by underwriters. This includes a title search, examination, curative work, and recordation of documents.