Can I get title insurance after I have already closed if I forgot to get it?

Yes — if you closed a purchase without obtaining title insurance, you can still purchase coverage after the fact. Major Ontario title insurers, including FCT (First Canadian Title) and Stewart Title, offer what is sometimes called a "homeowner" or "existing homeowner" policy for properties that were purchased without title insurance at the time of closing.

To obtain coverage, a current title search is typically required, and the insurer will review it before binding the policy. Issues that are discovered in the current search may be excluded from coverage since the insurer cannot cover a known, pre-existing risk. The premium is generally based on the current value of the property rather than the original purchase price, and there is no annual renewal fee — it is still a one-time payment.

If your property is mortgage-free and you have been an owner for some time, getting a retrospective policy is worth considering. Long-time owners with fully paid-off properties can be attractive targets for title fraud because there is no lender monitoring the title and no institutional safeguard if a fraudulent mortgage gets registered. A title insurance policy — even obtained years after purchase — would cover you against that ongoing fraud risk.