🤔 Can You Close Without Title Insurance? Here’s What to Consider

Technically, yes — you can close on a property without title insurance. But the real question is: should you?

🛡 What Title Insurance Does

Title insurance protects you from legal claims, liens, or ownership disputes that weren’t uncovered during the title search. Even the most thorough searches can miss hidden issues like forged signatures, recording errors, or unknown heirs. If a problem arises after closing, title insurance can save you thousands in legal fees — or worse, the loss of your property.

💸 Cash Buyers, Take Note

Lenders require title insurance to protect their investment. But if you’re paying cash, it’s optional — and that’s when some buyers consider skipping it. However, waiving coverage means you're taking on full responsibility for any future title issues.

🤷‍♀️ Is It Worth the Risk?

Most real estate professionals recommend getting at least an owner’s policy. It's a one-time cost that provides peace of mind for as long as you own your home.

At MBS Title, we make sure you understand every part of the closing process — and we’re always here to answer questions about your coverage options.