Buying real estate in Hawaii from overseas, the mainland, or as a first-time U.S. property buyer? Before you close, there is one important protection many buyers misunderstand: title insurance.

In this video, Jason Wong (PB) MBA, President & Principal Broker of Island Dragonfly, explains the difference between a lender’s title policy and an owner’s title policy—and why this matters when purchasing a Hawaii home, condo, luxury property, investment property, or commercial real estate.

Many buyers hear the phrase “title insurance” during escrow and assume they are fully protected. But in a financed purchase, the policy your lender requires is generally designed to protect the lender’s interest in the loan—not necessarily your personal ownership interest. An owner’s policy is different. It may help protect you against covered title defects such as fraud, forgery, invalid deed signatures, undisclosed ownership claims, recording errors, liens, or other issues that may surface after closing.

For international buyers, this is especially important. If you are purchasing from Hong Kong, Taiwan, Japan, Korea, Canada, Singapore, China, Europe, or anywhere outside Hawaii, you may not be physically present to monitor every property or document issue. A carefully handled Hawaii real estate transaction should include proper escrow coordination, title review, contract guidance, and clear communication from start to finish.

Hawaii real estate is more than a lifestyle purchase—it is a long-term investment in one of the world’s most desirable island markets. Whether you are buying a Honolulu condo, an Oʻahu luxury home, a second residence, or an investment property, protecting your ownership rights matters.

Jason Wong brings over two decades of residential, commercial, luxury, and international real estate experience to help buyers and sellers move with clarity, confidence, and local insight.

For buyer representation, seller strategy, or confidential Hawaii real estate guidance:

Jason Wong (PB) MBA
President & Principal Broker, Island Dragonfly, LLC

Website: https://jasonwong.us
Firm Website: https://islanddragonfly.com

Informational only. This video is not legal, tax, escrow, or title advice. Title coverage varies by policy. Please consult your title officer, escrow officer, attorney, and tax advisor before making decisions.

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