Q & A | Issuing a T-1R Owner’s Title Policy

Q: Do I always issue a T-1R Owner’s Title Policy if the property is “residential” real property?

A: No. You should issue the T-1R only when the property is “residential real property and the insured is a natural person.” When the purchaser of residential real property is a business entity (e.g. Big Investor, LLC) you should issue the T-1 Owner’s Title Policy because the insured is not a natural person.