10-02-2026, 10:46 PM
德州買房的產權保險：分清業主保障、貸款保障與交割費
在德州買房時，產權保險處理的是買入前已存在、當時未被發現的所有權問題，例如欠稅、偽造文件或其他人的業權主張；它不是火災、水浸或失竊保障。業主保單保障買方，貸款保單則保障貸款人的利益，不能把後者當成自己已有保障。
德州不以州法要求人人購買產權保險，但貸款人會要求保障其利益的保單。保費一般在交割時支付一次；州內保費受規管，但託管及其他交割費可以不同。可選擇自己的持牌產權公司，並致電 TDI 800-252-3439 核實牌照。
交割前讀清產權承諾書、例外項目及費用明細，要求說明未解決的問題。承諾書不是沒有瑕疵的保證。收到突然更改匯款資料的電郵，應透過已核實的聯絡方式確認，不直接依電郵付款；完成後也要確認收款。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.tdi.texas.gov/tips/title-insurance.html
English
Texas title insurance: distinguish owner protection, lender protection and closing fees
When buying Texas property, title insurance addresses ownership problems that arose before purchase but were not known at closing, such as unpaid taxes, forged documents or another person's ownership claim. It does not insure fire, flooding or theft. An owner's policy protects the purchaser; a loan policy protects the lender, not the buyer's separate interest.
Texas does not require title insurance by state law, although a lender requires a policy protecting its interest. The premium is generally paid once at closing. Premiums are regulated, but escrow and other closing charges can differ. Buyers may choose their own licensed title company; TDI's license-check assistance number is 800-252-3439.
Before closing, review the title commitment, exceptions and itemized charges, and ask how unresolved issues will be handled. A commitment does not guarantee a defect-free title. Verify unexpected changes to payment instructions through a previously confirmed contact, rather than trusting an urgent email, and confirm receipt after transferring money.
Original publication date not established. Checked October 2, 2026. Official source: https://www.tdi.texas.gov/tips/title-insurance.html
![[Image: housing.jpg]](https://inl3-media.pages.dev/assets/photos/housing.jpg)
James Gaskell / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/charming-am...-30649599/ 授權 / Licence: https://www.pexels.com/license/
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來源 / Source: Texas Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
在德州買房時，產權保險處理的是買入前已存在、當時未被發現的所有權問題，例如欠稅、偽造文件或其他人的業權主張；它不是火災、水浸或失竊保障。業主保單保障買方，貸款保單則保障貸款人的利益，不能把後者當成自己已有保障。
德州不以州法要求人人購買產權保險，但貸款人會要求保障其利益的保單。保費一般在交割時支付一次；州內保費受規管，但託管及其他交割費可以不同。可選擇自己的持牌產權公司，並致電 TDI 800-252-3439 核實牌照。
交割前讀清產權承諾書、例外項目及費用明細，要求說明未解決的問題。承諾書不是沒有瑕疵的保證。收到突然更改匯款資料的電郵，應透過已核實的聯絡方式確認，不直接依電郵付款；完成後也要確認收款。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.tdi.texas.gov/tips/title-insurance.html
English
Texas title insurance: distinguish owner protection, lender protection and closing fees
When buying Texas property, title insurance addresses ownership problems that arose before purchase but were not known at closing, such as unpaid taxes, forged documents or another person's ownership claim. It does not insure fire, flooding or theft. An owner's policy protects the purchaser; a loan policy protects the lender, not the buyer's separate interest.
Texas does not require title insurance by state law, although a lender requires a policy protecting its interest. The premium is generally paid once at closing. Premiums are regulated, but escrow and other closing charges can differ. Buyers may choose their own licensed title company; TDI's license-check assistance number is 800-252-3439.
Before closing, review the title commitment, exceptions and itemized charges, and ask how unresolved issues will be handled. A commitment does not guarantee a defect-free title. Verify unexpected changes to payment instructions through a previously confirmed contact, rather than trusting an urgent email, and confirm receipt after transferring money.
Original publication date not established. Checked October 2, 2026. Official source: https://www.tdi.texas.gov/tips/title-insurance.html
James Gaskell / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/charming-am...-30649599/ 授權 / Licence: https://www.pexels.com/license/
---
來源 / Source: Texas Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.