‘Title insurance’ means insuring, guaranteeing or indemnifying owners of property or holders of liens, encumbrances or security interests on the property, and others interested therein, against loss or damage suffered by reason of:

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1.  Liens, encumbrances, security interests and defects in, or the unmarketability of, the title to the property; or

2.  Invalidity or unenforceability of liens, encumbrances or security interests on the property, and any other activity substantially equivalent to these activities.