How long do most owners' title insurance policies last?

Most owners' title insurance policies are designed to last until the property is sold or the insured owner dies. This characteristic is a fundamental aspect of title insurance, which provides protection against any issues or disputes regarding the title of the property that may arise after the policy is issued.

When a property is sold, the title insurance is typically no longer in effect for the previous owner since the new owner would need to obtain their own title insurance policy to cover their own ownership stake. Similarly, the coverage continues for the duration of the owner's life, ensuring that as long as the insured owner holds the title, they are protected against potential claims on the title. Thus, the longevity of the insurance is directly tied to the ownership of the property, making this option the most accurate representation of how title insurance operates.