Existing Homeowner Protection from FCT
Even if you’ve owned your home for years, hidden risks can put your investment at risk.
If I didn’t get title insurance when I bought my home, is it too late now?
No, it’s never too late to protect your home with title insurance. Even if you've owned the property for years you can still get the coverage you need, with an Existing Homeowner Policy:
- Title fraud coverage with a duty to defend your claim, even in court
- Protection against compliance orders for work done without a required permit by a previous owner
- Coverage when someone else owns an interest in your title
- Coverage for work orders existing before your policy’s date
- Protection against forced removal of existing structures

Not protected yet?
Sign up for existing homeowner coverage today
What happens to you when your title is stolen?
Homeowners often don’t know they’ve been targeted until they receive notice of missed payments, try to sell their property or find new “owners” moving in. Without title insurance, making things right takes a long, complicated legal process that can cost tens of thousands of dollars.
Would you be ready to handle that kind of emergency?

You claim, we cover
$103,729.43 paid
When the owner of a condo accepted an offer on her place, she was expecting a nice smooth transaction. Then the sale hit a snag: her second mortgage on the condo was blocking it. There was just one problem: she didn’t have a second mortgage.
It turned out that somebody had stolen her identity at some point in the past and taken out a $100,000 loan against the condo in her name. It was title fraud, and it was threatening to sink the sale altogether. But fortunately, she had title insurance with FCT, and we were her next call.

It can happen to anyone
FCT’s underwriters identified over $491 million in suspicious transactions in 2023 alone, reflecting a 40% increase compared to 2022. It's more important than ever to ensure your title is protected.

It's not too late to get protected
You can get title insurance coverage through an Existing Homeowner Policy, even if you've already owned your home for years.