Do I Need Title Insurance Again If I’m Refinancing?

If you purchased owner’s title insurance when you bought your home, you might wonder: Do I need another policy when I refinance? 

The short answer: Yes—for the lender. 

Lender’s Title Insurance 

Every time you refinance, your new lender requires a new lender’s policy to protect their interest in the updated mortgage—even if they were the original lender. It’s standard in all refinance transactions. 

What About Owner’s Title Insurance? 

Your owner’s policy stays in place as long as you own the home. You don’t need to buy it again. It continues to protect your equity and ownership rights against past title issues—even after you refinance. 

Why Title Work Still Matters 

Even though you're not buying a new property, the title company will: 

• Perform a title search 

• Check for new liens, judgments, or title defects 

• Ensure the new mortgage has proper priority 

  
  

At Title Stream, we provide streamlined title updates and lender’s coverage for refinance closings—keeping your transaction smooth and secure.