Title insurance protects against any title dispute that may arise over a particular property, like your home. Before your closing, a title company researches your property's title to ensure it was legally passed from buyer to seller, each time it was bought or sold. Title insurance further protects against illegal or fraudulent title transfers that came to light (but remained undiscovered initially) during an investigation. It also insures you against loss from easements of public record that were not included in the title report, such as a utility easement across your property. Title insurance is required to close a loan on your home.