What is Title Insurance?

Title Insurance protects you against legal risks that can threaten the ownership of your property, or affect your right to occupy and use your land. These risks include:

  • illegal building works
  • boundary issues
  • fraud and forgery against your certificate of title
  • unpaid rates and taxes
  • unregistered rights of way and easements
  • adverse possession
  • zoning non-compliance.

Why do I need Title Insurance?

Properties come in many shapes and sizes: houses; units; townhouses; and vacant land. They’re all unique but share one thing in common, a “Title”.

Even though you have a great conveyancer there may still be hidden issues with the property.


What are some of the problems?

  1. Do it yourself (D.I.Y) renovations that have not been approved by council. Australia’s obsession with renovation has fuelled this risk in recent years. The last thing you need after an expensive property purchase is a letter from council demanding rectification works on your property.
  2. Structures or fences built on the incorrect property boundary. The majority of conveyancing transactions are completed without a survey report because they are expensive.
  3. Fraudsters are getting smarter at separating people from their money. What options do you have if someone mortgages or sells your property without your knowledge?


How can we help?

First Title provides cost effective title insurance coverage. With our title insurance policy you can buy your home and then move in with peace of mind, knowing that you have protection for one of your greatest investments.

  1. Illegal building works: title insurance provides cover for any structures or renovations built by previous owners without council approval.*
  2. Incorrect boundary: title insurance provides cover for boundary issues including fences, retaining walls or structures that have not been built on the true boundary.
  3. Fraud or Forgery: title insurance provides cover for fraud (at the time of purchase or anytime during ownership).


First Title does not make any representations about the suitability or appropriateness of any specific insurance product for you. Any advice is general in nature and does not take into account your personal objectives, financial situation or needs. Please read all the disclosure documents (especially the policy wording) carefully or get advice from your solicitor or conveyancer before deciding.