The Real Estate Encyclopedia
Can I Upgrade My Title Insurance Policy After I Buy The House?
Category - Home Buying Questions - Buying Legal & Closing FAQ's

Yes but you will need to run a new title search.  The title insurance you buy when you close on the home you purchase covers only past events, which cloud the title. 

To have your title insurance policy cover events that may cloud the title after you purchased the policy, you need to buy a new policy and run a new title search and pay the full rate.  Insurers may offer a discount if a new policy is purchased within a short time of the original policy (sometimes up to six years).  Ask about the potential discount, because this information may not be volunteered. 

Home Ownership Questions - Home Insurance FAQ's
Home Buying Questions - Buying Legal & Closing FAQ's
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