TitlePLUS residential title insurance policies cover houses, condominiums, cottages, rural properties, residential rentals with up to 6 units and vacant land with a purchase price up to $5M. Coverage continues as long as the purchasers or their spouses, children or heirs own the property.

Title insurance coverage for residential properties includes:

  • Someone else owns an interest in the property
  • Liens and charges on the property
  • Arrears of realty taxes and public utility charges
  • Fraud and forgery before and after closing
  • Unmarketability due to defects that would have been disclosed by an up-to-date survey
  • Work orders, open building permits and work done without a permit
  • Breach of a zoning by-law
  • Lack of legal access to the property
  • Breaches of restrictive covenants
  • Encroachments onto the property built after closing
  • Gap coverage
  • Legal Services: Standard, automatic coverage for lawyer’s errors and omissions in providing legal services for the transaction in most cases


  • Premium paid once, at time of closing
  • Insures:
    • Owners while they own the property, and their heirs
    • Owner’s spouse or child, if owner transfers property to them
  • Policy amount is the purchase price, increasing by up to twice as much if the fair market value increases
  • Coverage in addition to the policy amount, for the cost of defending legal actions based on a covered risk

Please refer to the policy for full details, including actual terms and conditions.