I was wondering: if I refinance my home, will I need a new owner's title insurance, or will the previous title insurance still be valid?

I suppose the new lender will require new lender's title insurance, but my owner's title insurance should still be valid. I have standard (non-enhanced) title insurance.

  • How recently did you have the previous title search and insurance done? I am not sure if that effects the answer, but it seems more likely to be accepted if the current insurance is recent
    – Freiheit
    Commented Mar 11, 2020 at 20:44
  • Have you read the terms of your policy?
    – spuck
    Commented Mar 12, 2020 at 17:37

1 Answer 1


per one of the title insurance company

If you're considering refinancing your mortgage, you may be surprised to see that you are required to purchase a new lender's policy of title insurance. This is because a lender's policy only provides coverage for the life of a loan. When a home is refinanced, the life of one loan ends and another begins. Thus, a new lender's policy for title is required. Because an owner's policy provides coverage, generally for as long as you or your heirs hold an interest in the property, there is no need to purchase a new owner's policy when refinancing.

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