Do You Need Title Insurance? | Insider Tips

Let’s clear something up right away: Texas title insurance explained shouldn’t be a mystery or a maze of confusing terms. You deserve straight answers, plain explanations, and useful insights—especially when a property purchase might be the largest investment you ever make. That’s where I come in.

I’m Robbie English, Broker and REALTOR at Uncommon Realty. I’ve spent decades helping people just like you understand exactly what they’re signing, where their money is going, and what protections they’re buying. Title insurance is one of those things people think they understand until it’s too late. You don’t have to be one of those people.

I’ve built a reputation on clear, professional guidance—and my clients use that knowledge to outpace their competition and sidestep unnecessary risk. If you’re buying or selling real estate in Texas, this guide is your new best friend.

TLDR – Texas Title Insurance Explained

1. Title insurance protects your ownership rights—don’t skip it.
2. Texas has unique practices—understanding them saves you stress and money.
3. Robbie English and his team offer unmatched guidance with deep experience.
4. You’ll benefit from decades of industry knowledge when you work with Robbie.
5. This page gives you everything you need to confidently understand and secure title insurance in Texas.

What Is Title Insurance?

Title insurance protects your ownership rights in a property. In plain terms, it makes sure you’re actually buying what you think you’re buying—and that no one from the past can claim it later. The moment you close on a property, this insurance kicks in and stays in place for as long as you own it.

There are two kinds: the lender’s policy and the owner’s policy. The lender’s policy protects the mortgage company. The owner’s policy protects you. In Texas, the custom is for the seller to pay for the owner’s policy, but like anything in real estate, that’s negotiable.

Now here’s something many people overlook: title insurance in Texas is heavily regulated. The Texas Department of Insurance (TDI) sets the rules, the premiums, and how title companies operate. That means whether you go with Title Company A or Title Company B, the pricing is usually the same. But don’t be fooled—service is not.

Why Texas Title Insurance Works Differently

In Texas, title insurance isn’t just a line item—it’s a system. From standardized premium rates to tightly controlled policy structures, our state has designed a highly specific process. While that sounds rigid, it can actually work in your favor—if you understand how to navigate it.

And that’s a big “if.”

Many buyers and sellers mistakenly assume the title company is just a neutral third party. Not exactly. They’re a business. They perform a title search, clear defects, and issue a policy. But they’re not in the business of helping you understand what’s happening. That’s my job.

Having someone like me—someone who’s worked every angle of real estate transactions for decades—can mean the difference between smooth sailing and a costly surprise. From title commitments to exclusions and endorsements, I walk my clients through it all. No stress. No jargon. No confusion.

Why Title Issues Happen More Than You Think

Think back to every person who ever owned the property you’re eyeing. Now think about the mistakes they might’ve made. Clerical errors, unpaid taxes, undisclosed heirs, misfiled deeds—title defects come in many forms, and they don’t go away just because you’ve signed closing papers.

That’s why title insurance matters. It doesn’t prevent issues—it protects you if issues surface after the fact. That protection can save you from having to defend your ownership in court or cover someone else’s old debt. It’s peace of mind, but it’s also smart risk management.

I’ve seen firsthand how devastating it can be when a buyer skips steps or trusts the wrong people. With me and my team guiding the way, you’re not only protected—you’re informed.

What to Expect from the Title Process

Here’s how the title process usually works in Texas:

After you go under contract, the title company gets to work. They perform a title search to check public records going back decades. This search looks for liens, easements, boundary issues, probate problems—you name it. Then they issue a document called the title commitment.

This document outlines exactly what coverage they’ll provide in the final policy—and what exceptions or problems they’ve found. This is not the time to skim and sign.

I personally review every title commitment my clients receive. I point out what matters, flag what needs clarification, and recommend whether additional endorsements are worth the extra cost. I also coordinate with the title officer to ensure defects are cured and that your final policy is exactly what it should be.

You shouldn’t have to become a title expert just to buy or sell a home. That’s why people use me.

Common Misunderstandings About Title Insurance

Let’s debunk a few things right now:

“It’s just another closing cost.”
Not true. It’s a critical protection tool that can defend your ownership rights.

“All title companies are the same.”
Far from it. While rates are regulated, customer service, error resolution, and communication vary widely. My relationships with strong title professionals can make your process easier and faster.

“I don’t need to review the title commitment.”
Yes, you do. I help clients understand what they’re seeing so they don’t miss something critical hiding in plain sight.

These misunderstandings can cost people dearly. You won’t be one of them—not if I have anything to say about it.

The Advantage of Working with Robbie English

Here’s what sets me apart: I’ve dedicated my entire career to not just practicing real estate—but mastering it. I don’t just help you close a deal. I help you understand every decision, every document, every risk.

I’m not just a Broker and REALTOR at Uncommon Realty—I’m a national real estate speaker and instructor, teaching agents across the country how to serve their clients better. That means when you work with me, you’re working with someone who has taught the best how to become better.

And title insurance? It’s one of my favorite topics to demystify. Not because it’s simple (it’s not), but because understanding it gives you power.

If you’re looking for someone who will tell you the truth, protect your interests, and use their experience as your competitive edge—I’m your agent. I’ve been doing this for decades, and I’ve worked relentlessly to build an approach that works. Not just for me, but for the people I represent.

And that’s where the difference lies.

Texas Title Insurance Explained Through Real Experience

Let me share a quick story.

One client was about to close on a property that seemed flawless. The title looked clean on the surface, but when I reviewed the commitment, I noticed a restriction that had gone unnoticed by others. That restriction limited what could be built on the land. My client had planned a specific structure—one that would’ve violated that restriction.

We caught it in time. The deal was renegotiated, the seller agreed to remove the restriction, and my client got the green light to move forward. Without a close review of the title insurance process, that could’ve become a costly legal battle.

That’s what real guidance looks like. That’s what decades of experience brings to the table. That’s what you get when you work with me and my team.

How Title Insurance Works in Texas

If you’ve ever wondered how title insurance works in Texas, the truth is this: it works if you understand it. And it works better when you have the right advocate.

Unlike other states, Texas has structured its title insurance process to minimize risk—but the structure itself can be confusing. You’ll hear about Schedule A, Schedule B, standard exceptions, and more. Without someone in your corner, you could miss something that changes everything.

I take the guesswork out of the equation. I break it down, walk you through the details, and make sure nothing slips through the cracks. You don’t have to guess how title insurance works in Texas. I’ll show you.

Why You Shouldn’t Leave It to Your Lender or Title Company

I hear this all the time: “Isn’t the lender reviewing the title policy anyway?” Yes, but only to protect their investment. Not yours. Their concerns aren’t always aligned with yours—and that’s an important distinction.

You need someone reviewing the documents with your best interests in mind. Someone asking:
Does this make sense for YOU?
Are there risks YOU need to consider?

That’s where I come in. You don’t have to rely on parties who are only partially invested in your outcome. I’m 100% in your corner, always.

Closing with Confidence

You want to close with clarity. You want to sign the final documents knowing every detail has been reviewed, every concern addressed, and every protection secured. That’s not just possible—it’s what I do every day.

This page wasn’t written by a marketing team. It was written by me, a working real estate professional at Uncommon Realty who lives this process with clients just like you, every single week. I’ve built my business on trust, expertise, and follow-through. I don’t believe in handing clients off or disappearing after a contract is signed.

I believe in being your partner, your advisor, and your best resource. From contract to closing—and long after.

If you want Texas title insurance explained in a way that gives you power, confidence, and the advantage you deserve, you’re in the right place.

Let’s do this the right way. Together.