Who this cover is for
RERA-registered real estate developers, REITs, private equity real estate funds, and commercial property acquisitions.
Coverage scope
Policy scope is governed by insurer terms, endorsements, and policy schedules. Common provisions include:
Ownership Title Defect Indemnity
Covers financial loss if legal title to insured land is found to be defective, burdened by undisclosed liens, or invalidated.
Fraud & Document Forgery
Protection against past forged sale deeds, fraudulent power-of-attorney execution, and impersonation.
Undisclosed Heirs & Third-Party Claims
Shields against claims by unknown legal heirs or co-parceners claiming ancestral rights under Hindu Succession laws.
Legal Defense Costs
Pays litigation expenses incurred defending the insured title against rival claimants in civil and revenue courts.
Key limitations and exclusions
Every insurance contract outlines specific conditions, waiting periods, and deductibles to review before policy inception:
Known Disputed Title Matters
Title encumbrances disclosed in title search reports before policy execution are excluded unless specifically endorsed.
Government Eminent Domain
Compulsory land acquisition by municipal or state governments under Land Acquisition Acts is excluded.
Zoning & Environmental Restrictions
Changes in town planning zoning, master plans, or environmental clearances are not title defects.
How Sanghvi Consultancy assists you
With 45+ years of insurance experience in Navrangpura, Ahmedabad, Sanghvi Consultancy provides personal policy guidance:
- Coordinating with real estate title search advocates and insurance underwriters.
- Structuring developer project policies satisfying state RERA title insurance mandates.
- Advising on title risk retention limits for institutional real estate acquisitions.
Frequently asked questions
Is title insurance mandatory under RERA in India?
Section 16 of RERA mandates that promoters obtain insurance for title of the land and building construction. Insurance availability varies by state registry digitalization, and we advise on current market availability.
How long does a title insurance policy remain valid?
Title insurance policies are typically single-premium contracts that remain in force for the duration of ownership by the insured or for an agreed developer development term.
Discuss your policy with an advisor.
Get clear answers on policy terms, insurer waiting periods, and claim support without aggressive sales calls.