To protect possibly the most important investment you'll ever make - the investment in your home. A lender goes to great lengths to minimize the risk of lending a borrower money needed to buy a home. First, the buyer's credit is checked as an indication of the ability to pay back your loan. Then, your lender goes a step further. He or she makes sure that the quality of the title to the property you are about to buy and which you will pledge as security for the loan is satisfactory. The lender does this by obtaining a lender's policy of title insurance.

This policy only protects the lender's interest; it does not protect you! That's why you need an owner's policy, which can be issued at the same time as the lender's policy by North Idaho Title.