Titanium phosphates were recently revealed as promising cosmetic pigments; however, their photocatalytic activity and sun protective factor (SPF) levels have not been investigated in detail. In this study, we used hydrothermal conditions to prepare nanocrystalline anatase, brookite, and layered titanium phosphate using the titanium lactate complex, NH4H2PO4, and urea as precursors. The samples were characterized by powder X-ray diffraction (XRD) in addition to Raman spectroscopy, transmission and scanning electron microscopy (TEM, SEM), energy-dispersive X-ray spectroscopy (EDX), and UV-Vis spectroscopy. Furthermore, the photocatalytic activity, sun protective factor, and moisture retention ability were determined for the samples. Brookite exhibited the highest SPF value and anatase the lowest, while Ti2O2H(PO4)[(NH4)2PO4]2 displayed highly promising UV protection and moisture retention properties and, therefore, represents a polyfunctional pigment that is particularly well suited for cosmetic applications.