Many homeowners assume that when they purchase a piece of property that possession of a deed to the property is all they need to prove ownership. This is not true. You and your Lender will want to make sure that the property is indeed yours and that no one else has any lien, claim or encumbrance on the property. A property owner's greatest protection is an Owner's Title Insurance Policy. Your Lender will also seek protection with a Lender's Title Insurance Policy. Targhee National Title can issue both policies simultaneously.