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Can you lien on your title insurance policy?

The answer is a resounding yes!

When Janice* tried to refinance her house, she discovered that there was a lien of over $2,500 registered on it. This took her by surprise as the title search was clear before she bought the property. She soon learned that the lien came into effect just before the title was transferred to her. Her discovery was frustrating and she tried to figure out what to do. It wasn’t her debt to pay and she didn’t want to spend her money paying it off.

Luckily, she was covered by her FCT title insurance policy. Janice paid off the lien and we reimbursed her for the cost, allowing her to keep her hard earned money.

If you were in a similar situation, would you be covered?

Title insurance is a homeowner’s best friend. The title to your house is basically your ownership documents. Title insurance covers and protects you from situations that threaten that ownership like fraud and a variety of other title and non-title issues. For more information on what title insurance covers, read our blog post: Title Insurance: What every homeowner needs to know.

Have you had to make a title insurance claim? Tell us about it in the comments!


*name changed to protect privacy

Insurance by FCT Insurance Company Ltd. Services by First Canadian Title Company Limited. The services company does not provide insurance products. This material is intended to provide general information only. For specific coverage and exclusions, refer to the applicable policy. Copies are available upon request. Some products/services may vary by province. Prices and products/services offered are subject to change without notice.

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