Liberty Title Agency

What Liberty Title Agency does

Liberty Title Agency is a family-owned title insurance and settlement services company founded in 1974 and headquartered in Ann Arbor, Michigan. The firm operates 12 branch offices across Michigan plus one location in Florida under the Zing Title sub-brand, providing title insurance (shopping rates across five major underwriters), escrow and settlement services, title search and examination, and recorded-document handling for residential and commercial real estate transactions. It maintains separate residential and commercial divisions and employs five to seven licensed attorneys for in-house document review and legal guidance.

The company's technology stack centers on transaction execution rather than proprietary AI: LibertyPay provides electronic mortgage document delivery, SafeWire (via SafeChain partnership) applies blockchain to wire transfer communications for fraud prevention, Remote Online Notarization enables contactless closings, and a Rate Calculator aggregates quotes from five underwriters. The Umbrella by Liberty Title protection program bundles wire fraud coverage, cybersecurity insurance backed by Lloyd's of London, gap coverage, and post-closing deed fraud protection, with Proplogix handling lien release tracking. These offerings position Liberty Title as a transaction-protection-focused agency rather than a technology platform.

Liberty Title's revenue model is transaction-fee based, generated from title insurance premiums, escrow and settlement fees, title search fees, and Umbrella program add-ons. The go-to-market is sales-led through dedicated account executives cultivating relationships with real estate brokerages and individual agents, complemented by direct-to-consumer engagement via branch offices, online tools, and continuing education events. The company has no external funding, no parent entity, and no public listing; it remains under Richardson family ownership across three generations.

Name

Liberty Title Agency

Legal name

Liberty Title Agency, Inc.

Website

https://libertytitle.com

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

101–250 employees

Short description

Liberty Title Agency is a family-owned title insurance and settlement services company operating 13 branches across Michigan and Florida, serving homebuyers, sellers, real estate agents, lenders, and commercial clients via a transaction-fee model with in-house legal staff and an enhanced Umbrella fraud and cyber protection program.

Ownership category

akta.pro rank

Product category

Title Insurance Services

NAICS

Title Abstract and Settlement Offices (541191), Insurance Agencies and Brokerages (524210)

SIC

Title Insurance (6361), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Title Insurance (FSAJACAL)

akta.pro secondary industries

Title Search & Examination (BPAJAOAB), Notary & Signing Agent Services (Remote/Onsite) (BPAJAOAF)

Keywords

• Title insurance services
• Real estate closings
• Escrow services
• Title search
• Settlement services

Headquarters

HQ city

Ann Arbor

HQ country

United States

HQ region

North America

Offices15 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D

Revenue model

1. Title Insurance Premiums: Collection of title insurance premiums for both owner's policies and lender's policies, shopping rates from multiple underwriters
2. Escrow and Settlement Services: Fees for handling the closing/settlement process, including document preparation, fund disbursement, and coordination
3. Title Search and Examination: Fees for searching title records and examining title history to identify liens, encumbrances, or other issues
4. Umbrella Protection Program: Additional fee-based protection coverage including wire fraud protection, cybersecurity insurance, and gap coverage

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Liberty Title Agency is a family-owned title insurance and escrow services company founded in 1974 that provides title insurance policies, title searches and examinations, closing/settlement services, and enhanced transaction protection (including wire fraud and cybersecurity coverage) for residential and commercial real estate transactions. The company operates through 12 Michigan branches plus a Florida location under the Zing Title brand, representing five major title insurance underwriters to shop rates on behalf of clients.

Product overview

Liberty Title Agency operates as a family-owned title insurance and escrow services company established in 1974. The company offers a unified platform of title insurance products and settlement services through its core Liberty Title brand and sub-brand Zing Title, with enhanced offerings including LibertyPay for electronic money transfers and the Umbrella program for enhanced transaction protection. Services are delivered through 12 Michigan locations and a Florida location, with separate residential and commercial divisions, five attorneys on staff, and continuing education classes for real estate professionals.

Differentiator

Problem solved

Functional benefit

Brands

• Umbrella by Liberty Title: Enhanced policy protection and premium security program offering wire transfer fraud coverage, cybersecurity insurance through Lloyd's of London, and post-closing protection for real estate transactions.
• SafeWire

Products and services

• Liberty Title (Residential and Commercial Title Insurance and Closing Services)
• Zing Title
• LibertyPay
• Umbrella by Liberty Title
• Contactless Closings (Remote Online Notarization)

Quantifiable outcome

• $1,000,000 wire transfer fraud coverage for Sellers and Buyers through SafeWire
• +1 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• SafeChain (SafeWire)coreTechnology or Integration · 22 May 2019SafeChain is the industry leader in blockchain wire protection technology. Through their SafeWire platform, Liberty Title provides secure wire transfer communications using blockchain technology to help ensure real estate transaction funds are protected against fraud.
• Lloyd's of LondoncoreTechnology or IntegrationLloyd's of London provides cybersecurity insurance coverage for Liberty Title's Umbrella protection program. Coverage includes $1,000,000 malware protection and $250,000 Escrow/Wire Fraud coverage for Buyers, Sellers, and their real estate agents.
• Linnell & AssociatesminorStrategic or Co-development PartnerCo-hosting continuing education events for real estate professionals. Linnell & Associates provides legal expertise for probate and estate planning courses offered through Liberty Title's Con Ed program.
• SafeWire (SafeChain)coreTechnology or IntegrationBlockchain-based wire fraud protection platform used for all wire communications during real estate transactions as part of the Umbrella protection program.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Fidelity National Title: National title insurance underwriter (parent: Fidelity National Financial) and one of the largest in the US. Liberty Title represents Fidelity National among its 5 underwriters, making it both a partner and a competitor in certain channels.
• First American Title Insurance Company: One of the largest national title insurance underwriters in the US. Liberty Title represents First American as one of its 5 carrier partners and competes indirectly when First American offers direct or lender-channel services.
• Stewart Title: Major national title underwriter with significant agent network. Another of Liberty Title's 5 represented underwriters, providing both partnership and competitive overlap in the title insurance market.
• Old Republic Title: Large national title underwriter with broad agent network. One of the 5 underwriters Liberty Title represents and a comparable partner-competitor in the regional agency model.

Direct peers

• Greater Michigan Title: Michigan-based regional title insurance agency with similar service offerings, branch network, and target market to Liberty Title. Direct competitor for real estate agent referrals and consumer title business in Michigan.
• Sun Title Agency: Michigan-based title insurance agency with multiple branch locations across the state. Direct competitor to Liberty Title in the Michigan residential title market, serving similar agent and consumer segments.

Emerging players

• Qualia: Tech-enabled real estate closing platform serving title agents, lenders, and consumers. Represents a technology-driven competitive threat to traditional agencies like Liberty Title that have built their own in-house stacks.
• Endpoint (formerly Title365): Digital-first title and escrow company that offers direct-to-consumer and lender-direct closings, competing with traditional agents like Liberty Title by eliminating the in-person branch experience.

Regional players

• United Title Agency: Multi-state regional title agency with comparable residential and commercial title services. Overlaps with Liberty Title's commercial division and competes for the same real estate professional relationships.
• Kensington Title: Midwest regional title agency offering title insurance and closing services. Comparable in size and business model to Liberty Title, with overlap in agent-driven residential and commercial closings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/libertytitle_mi
• YouTubeyoutube.com/user/LibertyTitle1
• Facebookfacebook.com/libertytitlemichigan
• LinkedInlinkedin.com/company/131904
• Instagraminstagram.com/libertytitleagency/?hl=en

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Liberty Title Agency