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Your original premium amount is your only cost as long as you own the property and you will be protected against any unexpected claim covered by your policy. Your title insurance policy is your shield of protection and will defend your ownership against loss. Your original premium amount is your only cost as long as you own the property and you will be protected against any unexpected claim covered by your policy. You pay the premium for title insurance only once, and it protects you for as long as you and your heirs remain in ownership. Title Insurance protects you against past claims and title faults. Southwest Title Company is appointed by the payee and payor to act as servicing agent for the receipt and disbursement of payments and the holding of original documents. Southwest Title Company is appointed by the payee and payor to act as servicing agent for the receipt and disbursement of payments and the holding of original documents. If a claim is made against your title as covered by your policy, we protect you by, defending your title, in court if necessary, at our expense or we will bear the cost of settling the claim, if it proves to be valid, in order to perfect your title and keep you in possession of the property. Title Insurance assures you that the home that you are purchasing is safely yours. Whenever, you buy property, the owner who is selling it to you has rights, as do their family and heirs. Why do homeowners need title insurance? Because any home, no matter how new or apparently secure, is built on land that has, undoubtedly, had many owners. Title Insurance assures you that the home that you are purchasing is safely yours. Real estate is such a basic form of wealth that there are many special laws that protect ownership of land and the buildings that are built on it. 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