Title insurance provides cover for a range of protections including:

1. Illegal building works: title insurance provides cover for any structures or renovations built by previous owners without council approval. See the Policy for more details including applicable cap and conditions.
2. Incorrect boundary: title insurance provides cover for boundary issues such as structures that have not been built on the true boundary. 
3. Fraud or Forgery: title insurance provides cover for fraud (at the time of purchase or anytime during ownership)
4. Other property ownership risk

Title insurance does not cover;

• The same items as a home and contents insurance policy. For example, property damage as a result of flooding, storm, fire, pests and vandalism.
• Risks which you create, allow or agree to.
• Risks that do not cause you a loss.

The one-off payment protects you for as long as you own the property.  Policy premiums vary according to property location and price. See First Title’s product disclosure statements for details.

No. Undertaking a pest and building inspection is part of the conveyancing due diligence process.

Title insurance does not replace the need to undertake the pest and building inspection. However, pest and building inspections do not always identify unapproved building works. It’s important to disclose any unapproved building works report issues identified in the pest and building report when ordering title insurance.

Our policy protects the property owner (including any beneficiary to whom the title is transferred after your death) until it is sold to somebody else.

This document can be found it your contract for sale, look for the following text in the header:

• NSW – Land and Property Information New South Wales – Title Search
• VIC – Copyright State of Victoria. This publication is copyright. No part may be reproduced by any process except in accordance with the provisions of the Copyright Act 1968 (Cth) and for the purposes of Section 32 of the Sale of Land Act 1962 (Vic) or pursuant to a written agreement. The information is only valid at the time and in the form obtained from the LANDATA REGD TM System. The State of Victoria accepts no responsibility for any subsequent release, publication or reproduction of the information.
• QLD – Current Title Search Dept of Natural Resources and Mines, Queensland
• SA – Government of South Australia – Department of Planning, Transport and Infrastructure
• WA – Western Australia Record of Certificate of Title
• TAS – Result of Search recorder of titles – issued Pursuant to the Land Titles Act 1980
• ACT – Australian Capital Territory Title Search
• NT – Date Registered **** Duplicate Certificate as to Title issued?

We require the following pages of the vendor executed contract:

• NSW – Please provide the front page of your contract for sale
• VIC – Please provide the first 3 pages of your contract for sale
• QLD – Please provide the first 6 pages of your contract for sale
• SA – Please provide the first 2 pages plus the execution page of your contract for sale
• WA – Please provide the first 2 pages of your contract for sale
• TAS – Please provide the first 6 pages of your contract for sale
• ACT – Please provide the front page of your contract for sale
• NT – Please provide the front page of your contract for sale