Home title insurance provides protection for homeowners and lenders in case of legal issues related to the title of the property. It typically covers issues such as ownership disputes, undisclosed heirs, errors in public records, and forgery. Home title insurance also covers legal fees and defense costs in the event of a covered claim. Additionally, it may provide coverage for losses related to title defects, liens, and encumbrances that were not known at the time of the property purchase. It's important to note that the specific coverage of home title insurance can vary depending on the policy and the insurance provider. Some policies may offer additional coverage for issues like zoning violations, building permit issues, and post-policy forgery. It's crucial for homeowners to carefully review their policy to understand the extent of coverage provided. In summary, home title insurance offers protection against various risks related to the property title, providing peace of mind for homeowners and lenders alike.