Rachel (Rachna) Stalony

Rachel (Rachna) Stalony

Broker

RE/MAX Real Estate Centre Inc., Brokerage *

Mobile:
416-888-5058
Office:
905-456-1177
Toll Free:
1-866-456-1177
Email Me
Title insurance details in Canada

Title Insurance Guide With Rachel (Rachna) Stalony

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 Rachel (Rachna) Stalony, 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.

Contact Me Anytime

Real estate is a big step, and it’s not always an easy one. Whether you're buying, selling, or just trying to figure out your next move, having someone you trust by your side makes all the difference.

I’ve been working in real estate across the Greater Toronto Area for over 17 years, helping clients through all kinds of situations—firsttime buyers, growing families, investors, and those ready for a change. No two clients are the same, and that’s exactly how I approach my work.

Before real estate, I spent years in banking and property management, which gave me a strong understanding of the financial side of things as well as what really happens behind the scenes. Today, I use that experience to help my clients stay informed, avoid surprises, and feel confident in their decisions.

I’m not here to pressure or push—I’m here to listen, guide, and make the process as smooth and straightforward as possible. My goal is simple: to help you make the right move for you.



Area Covered: Mississauga, Brampton, Milton, Oakville

Languages Spoken: English, Hindi, Punjabi



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 ? Rachel (Rachna) Stalony is happy to walk you through your options and connect you with the right professionals.

Ask About Title Insurance

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

Find Homes That Fit Your Needs — Featured Listings by Rachel (Rachna) Stalony

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.

View Foreclosure Listings

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.

Have Questions?

By submitting this form, I agree to be contacted by RE/MAX Real Estate Centre Inc., Brokerage * via email, phone, and text about real estate services. Message and data rates may apply. Message frequency may vary. Consent is not a condition of purchase. Reply STOP to unsubscribe from calls and texts. To stop receiving emails, click Unsubscribe in any email. See our Privacy Policy and Terms of Service for more information.
Disclaimer By entering my contact information I give my express consent to be contacted by 'Rachel (Rachna) Stalony, RE/MAX Real Estate Centre Inc., Brokerage *' and or real estate salespeople on behalf of 'RE/MAX Real Estate Centre Inc., Brokerage *' to discuss potential services.

Title Insurance Details


Have Questions?

By submitting this form, I agree to be contacted by RE/MAX Real Estate Centre Inc., Brokerage * via email, phone, and text about real estate services. Message and data rates may apply. Message frequency may vary. Consent is not a condition of purchase. Reply STOP to unsubscribe from calls and texts. To stop receiving emails, click Unsubscribe in any email. See our Privacy Policy and Terms of Service for more information.
Disclaimer By entering my contact information I give my express consent to be contacted by 'Rachel (Rachna) Stalony, RE/MAX Real Estate Centre Inc., Brokerage *' and or real estate salespeople on behalf of 'RE/MAX Real Estate Centre Inc., Brokerage *' to discuss potential services.