Colorado Title Insurance Coverage: What’s Included and Why It Matters

Jerad Larkin
Dec 21, 2025
2 min read

Introduction: What Does Title Insurance Actually Protect?

When buying a home or investment property in Colorado, one of the most important - yet least understood - parts of closing is title insurance. Many buyers ask: “What exactly does title insurance cover?”

Learn what Colorado title insurance covers. Jerad Larkin and Chicago Title Colorado explain what’s included, what’s not, and why coverage matters.

In this post, we’ll break down Colorado title insurance coverage, explain what’s included, what’s not, and how Jerad Larkin and Chicago Title Colorado help ensure every transaction is fully protected.

What Is Title Insurance?

Title insurance protects against financial losses caused by defects in a property’s ownership history. Unlike other forms of insurance that protect against future risks, title insurance safeguards you from past ownership issues that could affect your right to the property.

What’s Covered Under a Colorado Title Insurance Policy

1. Ownership Disputes

Protects you if someone claims they’re the rightful owner of your property.

2. Unpaid Property Taxes or Liens

If previous owners failed to pay taxes, contractor bills, or HOA fees, your policy ensures you’re not responsible.

3. Errors in Public Records

Covers mistakes made by county clerks, including incorrect names or legal descriptions.

4. Fraud or Forgery

Protects against falsified signatures, forged deeds, or fraudulent ownership transfers.

5. Undisclosed Heirs

If an heir of a previous owner claims rights to the property, your policy covers legal defense and financial loss.

6. Boundary or Survey Disputes

Covers losses caused by boundary conflicts or inaccurate legal descriptions.

What’s Not Covered

While coverage is extensive, title insurance doesn’t protect against:

Zoning or building code violations.
Environmental hazards or natural disasters.
Future liens or issues created after closing.
Easements and restrictions already disclosed in the title commitment.

Two Types of Coverage in Colorado

Owner’s Policy
- Protects the buyer’s ownership rights.
- Coverage lasts as long as you own the property.
Lender’s Policy
- Protects the lender’s financial interest.
- Required for financed transactions.

Both work together to ensure all parties are protected.

How Long Does Coverage Last?

The Owner’s Policy lasts for as long as you own the property - even years after purchase. The Lender’s Policy remains in effect until the mortgage is paid off.

Why Coverage Matters in Colorado

Colorado’s property history includes:

Mining rights and mineral ownership disputes.
Old easements not properly recorded.
Rapid development areas with overlapping HOA or district liens.

That’s why title insurance coverage is essential - it ensures your ownership is clear and protected.

Why Choose Chicago Title Colorado

Jerad Larkin and Chicago Title Colorado provide industry-leading coverage with:

Thorough title searches to uncover potential risks.
Accurate title commitments before closing.
Secure escrow services for handling funds.
Local expertise across Denver, Boulder, and Colorado Springs.
National financial backing for long-term protection.

Real-Life Examples

A Denver buyer avoided a $6,000 lien because their policy covered unpaid contractor bills.
A Colorado Springs homeowner was protected from a forged deed claim.
A Boulder investor appreciated Chicago Title’s clear explanation of coverage details.

Conclusion

So, what does Colorado title insurance coverage include?

It protects your property ownership from past issues like liens, fraud, or clerical errors. With Jerad Larkin and Chicago Title Colorado, you can close with confidence knowing your investment is fully protected.