Nadine  Lachtabega

Nadine Lachtabega

Sales Representative

RE/MAX Professionals Inc., Brokerage*

Mobile:
416-371-0679
Office:
416-232-9000
Email Me
Title insurance details in Canada

Title Insurance Guide With Nadine Lachtabega

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 Nadine Lachtabega, 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.

Rooted in the West GTA, Nadine is a trusted real estate professional known for her refined approach to buying and selling homes across Etobicoke, Mississauga, and Oakville— communities she proudly calls home and where she herself enjoys the lifestyle they offer.

With over 15 years of experience at RE/MAX Professionals, Nadine has built her business on a foundation of trust, discretion, and exceptional client care. Her approach is both strategic and highly personalized, guiding clients through every step of the process with clarity, confidence, and ease.

Before her career in real estate, Nadine spent over a decade in the beauty industry, where she developed a natural eye for detail and a passion for helping others feel confident and supported. Today, that same sensibility shapes her work, blending market expertise with elevated presentation through her certifications in home staging, decor and personal styling.

As the founder of Pretty Living, Nadine brings a lifestyle driven perspective to real estate where beautiful spaces, intentional design, and thoughtful living come together. Her clients aren’t just simply buying or selling homes; they’re curating the next chapter of their lives.

Known for her warm, intuitive approach and polished aesthetic, Nadine works with clients who value trust, style, and a seamless experience. Whether preparing a home for market or searching for the perfect space, she ensures every detail is considered, and every client feels supported from beginning to end.



Area Covered: Etobicoke, Mississauga, Oakville




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 ? Nadine Lachtabega is happy to walk you through your options and connect you with the right professionals.

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

Find Homes That Fit Your Needs — Featured Listings by Nadine Lachtabega

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.

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.

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Title Insurance Details


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