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Lender's Policy

A title insurance policy insuring a mortgagee, or beneficiary under a deed of trust, against loss or damage caused by the invalid title in the borrower, or loss of priority of the mortgage or deed of trust.

A lender's policy lasts until the mortgage is paid in full. An owner's policy remains in force forever, which means the title insurance company would defend the title for you or your heirs even after you no longer own the property.