A title insurance policy provides coverage from the time
of its effective date back to the origin of title. After the property
has passed to your heirs or devisees, if any defect antedating the policy
should crop up, the title insurance company would defend the title for
your heirs and devisees just as it would for you if you were alive.
Or, if the property were sold under a General Warranty Deed and the purchaser
faced a claim arising within the effective term of the policy, the purchaser's
action for recovery from you or your heirs would be taken over by the
title insurance company according to the terms of the policy issued.