Why would I need a survey if I have title insurance?

What the Heck is Title Insurance (and What It Isn’t)?
From the desk of a Licensed Ontario Land Surveyor (aka, the guy who reads deeds for fun)

You’ve just bought a property in Ontario. 🎉
You’re thrilled. The coffee mugs say “Home Sweet Home.”
But buried in your paperwork? A little thing called title insurance.

So, what is it?
It’s a one-time policy that helps protect you from unexpected legal hiccups with your property—things like:

✅ Surprise liens (unpaid bills from a previous owner)
✅ Fraud or forgery in the title history
✅ Errors in public records
✅ Your neighbour’s fence, shed, or deck creeping onto your land
✅ Problems that stop you from selling or refinancing

Sounds great, right? It is… but:

🚫 Title insurance is not a replacement for a legal land survey, and it does not cover:

❌ Boundary disputes you could have anticipated
❌ Zoning or permit issues
❌ Problems you knew about before purchasing
❌ Anything that happens after you take ownership

💡 Think of it this way:

Title insurance = An umbrella
A survey = A weather forecast

One protects you during the storm.
The other helps you avoid the storm altogether.
Together, they’re the ultimate protection.

Want to truly protect your investment?
Get a legal property survey. It could save you from some seriously awkward neighbourly drama.

Have questions or need help? We’ve got the gear, the maps, and yes—even the patience to explain legal descriptions in plain English.

**Disclaimer: This is a short explanation of an in-depth legal topic. It’s always best to consult with a licensed land surveyor or lawyer.