Title Insurance
Learn how title insurance intersects with estate planning and living trusts. Discover what happens to your policy when assets transfer to a trust.
Do I need new title insurance when I transfer my home into a living trust?
Transferring your home into a revocable living trust typically does not require purchasing a new title insurance policy. Most existing lender and owner policies remain in effect because you, as the trustee, still control the property and the transfer is not considered a sale. However, some lenders include due-on-sale clauses, so it is worth reviewing your mortgage documents before completing the transfer. Many title insurance companies also offer endorsements specifically for trust transfers that can be added to an existing policy for added clarity.
