Why do you need Title Insurance? Title insurance protects new home buyers from financial loss on property that might occur as a result of previous matters or defects in title due to liens, clerical errors, misrepresentation or fraud. Typically, home buyers permit their attorney to order title insurance on their behalf at the time of purchase. In addition, mortgage lenders require property buyers to obtain mortgagee title insurance up to the mortgage amount to ensure that the. Action_Statment_Image. With years of experience in the field, we have the expertise to help property buyers avoid financial loss due to title defects that can result from unsettled liens, clerical errors, misrepresentation, forgery or fraud. Our hallmark is our.