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Peace of mind for property owners

Protect your most important purchase with title insurance. It helps lower some of the risks associated with buying and owning property, so you don’t have to worry.

What is title insurance?

A title means you have legal ownership of a property. And with ownership comes risk. 

Your ownership may be challenged because of fraud, or you may be held responsible for liens or unpaid utility bills from before you bought your home, and the list goes on. This can be time-consuming and expensive to deal with on your own, and that’s where title insurance comes in. 

With a title insurance policy from FCT, you can rest easy knowing you’re protected. Our experienced team is here for you.

0101 Residential Title Insurance Property Owners House

Claim story

$115,284.32 paid

Nature of claim: survey issue

One north Ontario homeowner’s trouble started with a dispute over pipes. She and her neighbour had discovered that her water and sewage lines didn’t connect to her street. Instead, they connected to the next street over via her neighbour’s property. They forced her to relocate her water and sewer lines at huge expense. But fortunately, she had a title insurance policy in place with FCT. We were able to cover the cost of moving the offending lines and resolving the issue for the homeowner.

Benefits of title insurance from FCT

Here are just some of the reasons every homeowner needs title insurance.

Dad & Daughter
Peace of mind

Title insurance takes care of some of the risks associated with buying and owning property, so you don’t have to.

Family New House
Cost savings

With a one-time premium, we cover unexpected costs that may come up from unknown survey or title issues for as long as you own the property, and beyond.

Couple at dining table looking at phone
Simple claims process

When we say we have your back, we mean it. We’ll assume the responsibility and costs of defending your title if it’s ever challenged under our 34 covered risks. 

Male Advisor & Couple
Faster closing

Title insurance can speed up your closing by providing comprehensive coverage and reducing your legal professional’s workload.

Get a quote today.

For a quick, secure quote, use FCT’s residential title insurance quote calculator.

Get a quote

Already own a home?

Feel secure knowing you have more protection.

If you’re in the process of buying a new home, let your lawyer or notary know that you want title insurance from FCT.  Already bought a home? You can protect that too. Buy an Existing Homeowner Policy for added security.

Protect your home

Looking to buy commercial property?

We can help reduce your risk.

We know that no two commercial real estate deals are the same. That’s why we offer comprehensive coverage that's tailored to your needs. Find out how we can support you and help your deals close faster, with commercial title insurance.

Learn more

Protect yourself against the unknown

Purchasing and owning property, whether it’s a home, cottage or investment property, is a big investment that comes with a certain amount of risk. We can protect your new property against a number of unexpected issues, including:

Title fraud

If someone steals your identity, they could also try to steal your house by changing the name on the title. If this happens, we’ll cover your legal costs and help defend your title.

Property encroachment

Structures are sometimes unintentionally built on neighbouring properties and need to be moved. This could happen if a previous owner built without verifying where the lot lines were. We can help cover the costs associated with resolving the issue.

Unknown title issues

It’s possible that an error on the title will be discovered after you’ve purchased a property, bringing your ownership into question. With title insurance, we’ve got you covered.

Pre-existing liens on the property

Don’t let someone else's mistakes become your problem. If the previous owner left unpaid utilities or property taxes, title insurance ensures you won’t have to pay them.

Municipal issues

If the previous homeowner renovated without the necessary permits and your legal professional was not aware of this, the municipality can force you to remove or remedy the situation. We'll cover those costs, so you don’t have to. 

Duty to defend

If your interest in the property is ever challenged due to a covered risk, we will defend it and pay any associated costs, legal fees or expenses. That’s what we call our “duty to defend.”

Survey defects

Survey, real property report or certificate of location errors such as out-of-date or incorrect previous reports can cost you time and money to correct. We’ll make sure any errors are addressed. 

Gap coverage

There may be a gap between when your property purchase is finalized or closed and when the title is officially registered with the government. Our title insurance will protect you during this time.

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.

 

®Registered Trademark of First American Financial Corporation.