Colorado Real Estate Title Insurance Policy: What You Need to Know

Jerad Larkin
3 hours ago
2 min read

Introduction: Protecting Your Biggest Investment

When buying a home in Colorado, one of the most important parts of the transaction is the title insurance policy. Many people ask: “What does a Colorado real estate title insurance policy include, and why do I need one?”

Learn what a Colorado real estate title insurance policy covers. Jerad Larkin and Chicago Title Colorado explain types, costs, and why it matters.

In this blog, we’ll break down the types of policies, what they cover, and why Jerad Larkin and Chicago Title Colorado are trusted across Denver, Colorado Springs, and the Front Range.

What is a Title Insurance Policy?

A title insurance policy protects against financial losses caused by defects in a property’s ownership history. Unlike auto or health insurance, which cover future risks, title insurance protects against past ownership issues that may arise after closing.

Types of Title Insurance Policies in Colorado

Owner’s Policy
- Protects the buyer’s ownership rights.
- Coverage lasts as long as the homeowner owns the property.
- Covers liens, fraud, errors in public records, and undisclosed heirs.
Lender’s Policy
- Required by mortgage lenders.
- Protects the lender’s lien on the property.
- Remains in effect until the loan is paid off.

What’s Covered Under a Title Insurance Policy?

Typical coverage includes:

Unpaid liens or judgments from previous owners.
Fraud or forgery in past transfers.
Clerical errors in county records.
Undisclosed heirs making ownership claims.
Boundary or survey disputes.

What’s Not Covered?

Issues created after the buyer takes ownership.
Zoning or environmental changes.
Easements and restrictions already disclosed.

How Much Does a Title Insurance Policy Cost in Colorado?

Owner’s Policy: $1,000–$2,000 depending on purchase price.
Lender’s Policy: A few hundred dollars.
One-Time Payment: Paid at closing, coverage lasts for the policy’s term.

Why Colorado Buyers and Sellers Need It

Colorado’s housing market - from historic Denver neighborhoods to mountain acreage - carries risks. A title insurance policy ensures:

Legal protection against ownership challenges.
Financial security if past issues arise.
Peace of mind that ownership is clear and transferable.

Why Choose Chicago Title Colorado

Jerad Larkin and Chicago Title Colorado are trusted because they provide:

Thorough title searches to minimize risks.
Clear title commitments before issuing policies.
Secure escrow handling of funds.
Educational resources for agents and clients.
National financial strength for dependable protection.

Real-Life Examples

A Denver buyer avoided paying a $15,000 lien because of their policy.
A Colorado Springs seller closed smoothly after Chicago Title cleared old claims.
An agent in Boulder earned client trust by explaining policies in simple terms.

Conclusion

So, what should you know about a Colorado real estate title insurance policy?

It’s the legal and financial protection that ensures ownership is secure. With Jerad Larkin and Chicago Title Colorado, buyers and sellers can trust their transactions are covered from start to finish.