Steve Dzedzitz

Steve Dzedzitz

Sales Representative

HomeLife/Response Realty Inc., Brokerage*

Mobile:
437-223-4340
Office:
416-259-0070
Email Me
Title insurance details in Canada

Title Insurance Guide With Steve Dzedzitz

When you buy a home, you’re not just purchasing the property — you’re securing the legal right to own it. Title insurance helps protect that ownership from unexpected legal or financial issues after closing. With Steve Dzedzitz, by your side, you can move forward knowing your investment is protected from day one.

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What Is Title Insurance?

Title insurance is a one-time insurance policy that protects your ownership of a property from past issues tied to the title. Even with a thorough title search, certain problems can remain hidden and surface later. Unlike home insurance, which protects against future damage, title insurance protects against pre-existing title defects — for as long as you own the property.

Who Is Protected by Title Insurance?

Title insurance can protect:

  • Home buyers (owner’s policy)
  • Mortgage lenders (lender’s policy)
  • Or both

Coverage applies to resale homes, new builds, condos, and vacation properties.

Is Title Insurance Required?

If you’re buying with a mortgage, lenders require title insurance to protect the loan amount. This lender’s policy remains active until the mortgage is fully paid off. Owner’s title insurance is optional but strongly recommended. It protects you — not the lender — and is paid once at closing, with no ongoing premiums.

If you’re unsure about title insurance or how it fits into your purchase, I’d be happy to walk you through your options and explain what’s right for your situation.

Contact Me Anytime

With more than 20 years of experience in real estate, I have built a reputation for providing honest advice, dependable service, and strong results for both residential and commercial clients across the GTA. Fluent in English and German, I have helped countless buyers and sellers successfully navigate the market while building long-lasting relationships based on trust and professionalism.

Over the years, I have earned industry recognition and awards for his dedication and performance, but what I value most is the satisfaction of my many happy clients. Whether working with first-time buyers, growing families, downsizers, or investors, I am committed to making every real estate experience a smooth, informed, and successful move.

 



Speciality: Residential and Commercial

Years of Experience: 20+

Awards: Silver club,Gold club,Presidents Award

Area Covered: Greater GTA, Halton and Simcoe Regions

Languages Spoken: English, German



Title Insurance: Covered vs. Not Covered

Understanding your coverage helps you avoid costly surprises after closing.

What Title Insurance Typically Covers?

  • Unknown title defects
  • Unpaid liens or prior mortgages
  • Ownership claims from unknown parties
  • Fraud or forgery related to title
  • Errors in public records or surveys

What Title Insurance Does Not Cover

  • Issues disclosed before closing
  • Problems that arise after the policy date
  • Environmental hazards
  • Indigenous land claims

Still have questions ? Steve Dzedzitz is happy to walk you through your options and connect you with the right professionals.

Ask About Title Insurance

Note: Coverage varies by provider and policy type. Always confirm the specifics of your policy.

Find Homes That Fit Your Needs — Featured Listings by Steve Dzedzitz

When Does Title Insurance End?

Understanding the duration of your title insurance helps you stay protected when it matters most.

Quick Tips For Buyers

  • Ask your lawyer about owner and lender policies
  • Review covered and excluded risks carefully
  • Protects ownership rights, not physical damage

If you’re exploring distressed properties or foreclosure opportunities, understanding title risks is especially important.

View Foreclosure Listings

Coverage & Timing

  • Owner’s policy starts at closing and lasts as long as you own the property
  • Lender’s policy: Ends once the mortgage is fully paid
  • Payment: One-time cost paid at closing

Why It Matters

Knowing how long each policy lasts helps protect you from unexpected issues. The lender’s policy safeguards the mortgage, while the owner’s policy protects your ownership for as long as you own the property. If a covered title issue arises, the policy pays legal fees and expenses to defend your title, providing long-term peace of mind.

Let's Talk!

Contact me today so I can help you understand your insurance options and prepare the right plan to protect your new home.

Have Questions?

By submitting this form, I agree to be contacted by HomeLife/Response Realty Inc., Brokerage* via email, phone, and text about real estate services. Message and data rates may apply. Message frequency may vary. Consent is not a condition of purchase. Reply STOP to unsubscribe from calls and texts. To stop receiving emails, click Unsubscribe in any email. See our Privacy Policy and Terms of Service for more information.
Disclaimer By entering my contact information I give my express consent to be contacted by 'Steve Dzedzitz, HomeLife/Response Realty Inc., Brokerage*' and or real estate salespeople on behalf of 'HomeLife/Response Realty Inc., Brokerage*' to discuss potential services.

Title Insurance Details


Have Questions?

By submitting this form, I agree to be contacted by HomeLife/Response Realty Inc., Brokerage* via email, phone, and text about real estate services. Message and data rates may apply. Message frequency may vary. Consent is not a condition of purchase. Reply STOP to unsubscribe from calls and texts. To stop receiving emails, click Unsubscribe in any email. See our Privacy Policy and Terms of Service for more information.
Disclaimer By entering my contact information I give my express consent to be contacted by 'Steve Dzedzitz, HomeLife/Response Realty Inc., Brokerage*' and or real estate salespeople on behalf of 'HomeLife/Response Realty Inc., Brokerage*' to discuss potential services.