Yes, keeping your owner's title insurance policy active after paying off your mortgage is highly recommended because the policy remains fully valid and protective for as long as you or your heirs retain ownership of the property. While a lender's policy expires once a mortgage is fully discharged, an owner's policy continues to defend your personal equity against post-closing title defects, fraudulent identity theft, forged discharges, boundary disputes, and unexpected legal claims throughout your entire tenure.
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