Title Insurance in Denver: What Homebuyers and Agents Need to Know

Jerad Larkin
14 hours ago
2 min read

Introduction: A Must-Have for Every Home Purchase

If you’re buying a home in Denver, one of the most important protections you’ll need is title insurance. Many people ask: “What does title insurance cover in Denver, and why do I need it?”

The short answer: Title insurance protects you from past ownership issues, liens, or claims that could threaten your investment. In this blog, we’ll explain what title insurance covers, how much it costs, and why Jerad Larkin and Chicago Title Colorado are trusted for title insurance in Denver.

Buying a home in Denver? Learn what title insurance covers, how much it costs, and why Jerad Larkin and Chicago Title Colorado are trusted across the city.

What is Title Insurance?

Title insurance is a one-time purchase at closing that protects homeowners and lenders from financial loss tied to title defects. Unlike car or health insurance that covers future risks, title insurance protects against past problems.

What Title Insurance Covers in Denver

Typical coverage includes:

Unpaid Taxes or Liens - Protects against debts from previous owners.
Errors in Public Records - Corrects mistakes in recorded documents.
Fraud or Forgery - Covers fraudulent transfers or forged signatures.
Unknown Heirs - Protects against inheritance claims.
Boundary Disputes - Addresses survey or property line conflicts.

Owner’s Policy vs. Lender’s Policy

In Denver (and across Colorado), two main types of title insurance are issued:

Owner’s Policy - Protects the homeowner’s ownership rights.
Lender’s Policy - Required by mortgage companies to protect their loan.

To be fully protected, buyers should always secure an owner’s policy.

How Much Does Title Insurance Cost in Denver?

One common question: “Does choosing a certain company change the price?”

In Colorado, the answer is no - title insurance rates are regulated statewide. Costs include:

Owner’s Policy: Typically $1,000 - $2,000 depending on purchase price.
Lender’s Policy: A few hundred dollars.
One-Time Fee: Paid at closing, with coverage lasting as long as you own the home.

Why Title Insurance is Especially Important in Denver

Denver’s fast-paced housing market comes with unique risks:

Older Homes - Hidden liens or clerical errors in property history.
New Construction - Risk of mechanic’s liens from unpaid contractors.
Competitive Closings - Quick turnarounds increase the chance of oversights.

Title insurance ensures these risks don’t impact your ownership rights.

Why Chicago Title Colorado is a Top Choice in Denver

Jerad Larkin and Chicago Title Colorado are trusted by buyers, sellers, and agents across Denver because they provide:

Thorough title searches to identify risks before closing.
Comprehensive coverage backed by a national underwriter.
Escrow services for secure handling of funds.
Agent resources like O&E reports, farming tools, and property books.
Educational support through real estate classes and workshops.

Real-Life Examples

A Denver buyer avoided a $19,000 contractor lien thanks to Chicago Title’s title search.
A Washington Park seller closed smoothly despite a last-minute title dispute.
An agent in Cherry Creek gained credibility by highlighting Chicago Title’s coverage during listing presentations.

Conclusion

So, what is title insurance in Denver?

It’s the protection every buyer needs to safeguard their ownership rights. With Jerad Larkin and Chicago Title Colorado, homeowners and agents gain confidence knowing their transaction is secure from start to finish.