The owner's Title Insurance Policy protects you from defects that might exist in the Title prior to the issue date of the policy. Such defects might include the following: 1. Errors in public records 2. Unknown Liens 3. Missing Heirs 4 .Forgeries 5. Survey or boundary issues The insurance pays for the defense of any claim and/or lawsuit attacking the title as insured, and will either clear up the title problems or pay the insured's losses. For a one-time premium, the Owner's