Title Insurance
Title Insurance in Sugar Land and The Woodlands, TX
Before closing, it is important to know whether liens, ownership claims, recorded restrictions or other defects affect the property.
Title & Closing Services
Title Insurance for Residential and Commercial Transactions
Lawji Law assists with title insurance in Sugar Land, TX and The Woodlands, and acts as a real estate closing attorney in Houston, Fort Bend County and Montgomery County.
Whether you are buying a home, acquiring commercial property or refinancing, we help you review title documents and resolve concerns before closing.
Who We Work With
- 01 Home Buyers
- 02 Sellers
- 03 Investors
- 04 Developers
- 05 Lenders
Transactions
- 01 Home Purchases
- 02 Commercial Acquisitions
- 03 Refinancing
What Is Title Insurance?
How Title Insurance Protects Property Ownership
Title insurance protects against certain covered defects in ownership, such as an outstanding lien, an improperly recorded document or an undisclosed claim, that may surface even after closing.
Coverage depends on the policy’s terms, exceptions and exclusions, and insurers may also have a duty to defend covered claims.
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Comparison 01
Homeowners Insurance
Generally protects against physical damage to property.
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Comparison 02
Title Insurance
Addresses covered ownership problems that existed before the policy was issued.
Common Title Issues
Ownership Claims, Liens and Recorded Restrictions
Some title defects appear in public records; others surface only when someone raises a claim. A title search helps identify what needs attention.
Common title concerns include:
- 01 Outstanding mortgage liens and unpaid taxes
- 02 Errors in previously recorded deeds
- 03 Fraud or forgery involving property documents
- 04 Claims by undisclosed heirs
- 05 Easements affecting access or use
- 06 Judgments and other recorded claims
- 07 Deed restrictions and covenants
Not every issue is covered by title insurance; coverage depends on the policy and its exceptions.
Owner’s and Lender’s Title Insurance
Two Policies, Two Different Interests
Texas transactions typically use two types of title policy. Both relate to the property’s title, but they protect different parties.
Important: Texas regulates title insurance policy forms and premium rates.
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Policy Type 01
Owner’s Policy
Protects the owner’s interest against covered defects that originated before the policy date, generally for as long as the owner or qualifying heirs hold an interest.
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Policy Type 02
Lender’s Policy
Protects the lender’s interest in the property as loan collateral. Lenders commonly require it, and it does not protect the owner.
Title Search and Commitment Review
Reviewing Property Records Before Closing
A title search examines deeds, mortgages, court filings, tax records and liens that may affect the property.
The title company then issues a title commitment setting out the terms on which it will issue a policy.
A Texas title commitment generally contains four schedules.
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Schedule A
Insured Parties & Property
The proposed insured parties, property description and ownership interest.
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Schedule B
Exceptions From Coverage
Restrictions, easements and other matters excluded from coverage.
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Schedule C
Requirements
Conditions that must be satisfied before the policy is issued.
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Schedule D
Disclosures
Specified disclosures about the title company and related matters.
We review these documents with you and address questions that arise during closing.
Residential Title Services
Title and Closing Help for Home Buyers and Sellers
A residential title search can reveal liens, ownership concerns or deed restrictions affecting the buyer’s interest. We help buyers, sellers and lenders in Sugar Land, The Woodlands and the Houston area with title questions, purchase agreements and closing documents.
Important: Title insurance protects against certain unknown defects, but it does not cover every possible problem with a property.
Discuss Residential Title Services
Commercial Title Services
Title Support for Owners, Investors and Lenders
Retail properties, office buildings, warehouses, hotels and development sites often involve complex ownership, financing and restrictions. We coordinate title insurance and related legal matters for commercial transactions.
Important: Availability of specialized services depends on the transaction and providers involved.
Commercial Title Services Include
- Multi-property and multi-county coordination
- Pro forma title policies
- Environmental title information
- Certain 1031 exchange coordination
3,000+
Residential and commercial real estate closings
Attorney Arif Lawji
Why Work With Lawji Law
Real Estate and Closing Experience in the Houston Area
Title insurance and closings combine legal and financial considerations for buyers, sellers and lenders.
- Our practice covers residential and commercial transactions, title matters, lending and closing documents.
- Attorney Arif Lawji has participated in more than 3,000 real estate closings.
- We also handle the commercial lending and SBA loan closings that often involve real estate.
Clear explanations of your documents and the services each transaction needs.
Meet Our AttorneysFAQ
Title Insurance FAQs for Texas
Have another question? Call our office to discuss your transaction.
(281) 565-4621 Browse All FAQsNot by law, but mortgage lenders commonly require a lender’s policy. An owner’s policy is separate and protects the buyer’s ownership interest.
Premium rates are regulated by the Texas Department of Insurance and depend on the policy amount; other closing costs can vary.
The title provider may set requirements or exceptions. Some issues are cured with documents or payoffs; others need legal review.
Generally yes. A lender, builder or agent may recommend one, but buyers can choose a licensed provider.
Contact Lawji Law for Title Insurance
Legal Help With Residential and Commercial Title Matters
Buying, refinancing or reviewing a title commitment? We can help you prepare for closing.
Our Houston area attorneys work from First Colony Blvd. in Sugar Land, serving Fort Bend County, The Woodlands, Montgomery County and the Greater Houston Area.