Homeowner Title Insurance

No homeowner is completely safe from real estate fraud. Owner’s title insurance is a simple and effective way to protect your investment. It provides legal proof of ownership and safeguards you against various risks, including identity-theft-related fraud.

What would you do if your home was no longer in your name tomorrow? With FCT, in the event of title theft, legal fees are covered and actual losses are reimbursed.

Real estate fraud is becoming increasingly common. Criminals have access to advanced technology and frequently exploit personal data breaches. Homeowners who have paid off their mortgages and certain private lenders are often targeted.

Why get title insurance?

FCT offers comprehensive coverage with 34 protections, including:

  • Identity-theft fraud
  • Zoning non-compliance
  • Unpaid municipal taxes from previous owners
  • Encroachments on neighboring properties
  • Unpermitted construction

Key benefits:

  • One affordable premium for continuous coverage
  • Coverage may continue after selling your home
  • No deductible and multiple claims allowed
  • 200 % inflation cushion (e.g., a $500,000 property is covered up to $1,000,000)

Fraud is closer than you think. Stay informed by reading recent reports from Radio-Canada and the Journal de Montréal on real estate fraud in Montreal.

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