Do you need a title insurance policy when buying/selling a house? Yes! In virtually all cases. There are a few exceptions, but in general it’s a great idea. It helps guarantee that the title is free & clear of encumbrances (problems), when you buy it. And provides an insurance policy that protects your original investment, as long as you own the property. It usually does not expire – ever – until the ownership of the house is transferred to another party. These are provided by a title company, when you buy/sell a property through them.