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Title work is the process beginning to end of issuing the Title Insurance policy. It begins with the title search. It involves the process of checking the owner chain of ownership to make sure there are no liens on the property. Once the title work is completed, there are two types of title insurance. The owner's title insurance protects the buyer against any title defects. Typically, the buyer purchases the insurance protecting him or herself. The Lender's title insurance protecting the lender from any claim or loss against the lender that covers claims and losses arising from a defect of the title. This policy is payed for by the buyer. It is based on the price of the property.