Abstract
Predominantly found in the U.S., title insurance is a form of indemnity insurance against financial loss from certain defects in title to real property, as well as from the invalidity or unenforceability of mortgage loans. In the U.S. title insurance industry, the so-called “Big Four” companies make up the overwhelming premium volume of the title insurance industry’s market share (85.3% of $14.8 billion in 2017). The cost-effective, technological innovation embraced by new fintech entrants, and adoption by existing companies recognizing the need to incorporate this innovation for their competitive survival, will transform the oligopolistic nature of the title insurance industry.
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