Title insurance protects you against loss arising from problems connected to the title to your property. Before you purchase a home, it may have gone through several ownership changes. If there are unpaid real estate taxes or other liens on the property, you could be responsible for them as the current owner. Unlike other forms of insurance, which cover you for future losses, title insurance extends back in time for an indefinite period. It protects you against losses prior to the date of the policy and ends on the day the policy is issued.