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California Dmv, Real Estate, and Property

What is title insurance and do I need it when I inherit property?

Short answer

Title insurance protects against defects in title — claims from prior owners, unpaid liens, recording errors. If you inherit property, you may want to purchase an owner's policy to protect against issues that arose before the transfer. Required by lenders if you…

What this usually means

Title insurance protects against defects in title — claims from prior owners, unpaid liens, recording errors. If you inherit property, you may want to purchase an owner's policy to protect against issues that arose before the transfer. Required by lenders if you refinance. A title company can advise on whether a new policy is needed.

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Official starting points

Rules and procedures can change. These official sources are the starting points used to review this topic.

Last reviewed: July 27, 2026 · California guidance unless noted otherwise

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