What is Title Insurance?
Protect your greatest asset from a range of property ownership risks with one affordable payment.
Safeguard your property from unknown potential risks.
Buying property is exciting, but it’s also a serious undertaking that comes with risks. The title is the official declaration that confirms your legal ownership of a property after you buy it, along with the rights and interests attached to that land. Title Insurance is a simple policy that helps protect you from unknown property ownership risks that could threaten your right to occupy and use your land.
Read our Important Information and Policy Wording documents for details on Title Insurance cover, conditions and exclusions.
Avoid costly property ownership risks
One policy covers unknown and unapproved building works, plus 20 other property ownership risks. Subject to a cap.
No excess in the event of a claim
There is no excess in the event of a claim. Caps and exclusions apply.
Pay a one-off premium
There are no recurring fees – this one-time premium activates the policy for as long as you own the property.
What is Title Insurance?
Title Insurance is a one-off insurance policy that protects property owners from unknown legal and ownership issues affecting their title, which may only be discovered after purchase.
For more details, please get in touch with us.
What does Title Insurance cover?
Title Insurance provides a range of protections, including:
- Illegal building works
Cover for structures or renovations completed by previous owners without required council approval, subject to policy caps and conditions. - Incorrect boundaries
Protection against boundary issues, such as structures that are not built on the true boundary line. - Fraud or forgery
Cover for losses arising from fraud or forgery, whether they occurred at the time of purchase or during ownership. - Other property ownership risks
Additional protections for a range of unforeseen title and ownership issues. Find more details here.
What are our types of Title Insurance?
We offer Title Insurance for:
Residential Property
Protects homeowners from undisclosed title defects that may affect ownership, occupancy or the lawful use of their home
Strata Property
Covers strata owners against hidden title issues impacting their lot, common property or approved residential use.
Vacant Land
Helps safeguard buyers from unknown title risks that could restrict building, development or intended land use.
Commercial Property
Provides protection against title defects that may affect business operations, leasing rights or property value.
Rural-Residential Property
Covers title risks unique to larger lifestyle properties, including access, boundaries and land use restrictions.
Can't find what you're looking for? Contact us or call us on 1300 362 178.
FAQs
What does Title Insurance not cover?
Title Insurance does not cover:
- The same items as a home and contents insurance policy. For example, property damage as a result of flooding, storm, fire, pests and vandalism.
Risks which you create, allow or agree to.
Risks that do not cause you a loss.
How much does a Title Insurance policy cost?
The one-off payment protects you for as long as you own the property. Policy premiums vary depending on factors such as property location and property price. For more details, see our Important Information and Policy Wording documents, or get a quote here.
Does Title Insurance cover pest and building inspections?
No. Undertaking a pest and building inspection is part of the conveyancing due diligence process.
Title Insurance does not replace the need to undertake a pest and building inspection, and they don’t always identify unapproved building works. It’s important to disclose any issues related to unapproved building works identified in the pest and building report when ordering Title Insurance.
How long does a policy last?
Title Insurance does not expire and protects the property owner (including any beneficiary to whom the title is transferred to after the property owner's death) until it is sold to somebody else.