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What is Title Insurance?
Title insurance provides coverage for certain losses due to defects in the title that occurred prior to your ownership. The seller can give you only those rights that have been previously received by him/her with good title. Title insurance protects against such prior fraud or forgery that might go undetected until after closing and possibly jeopardize your ownership and investment.
What to Look for in a Title Company?
Why Do I Need Title Insurance?
When Are the Premiums Due?
What Does It Cost?
What Does It Cost?
What if I Have a Problem? Do I Have to Lose My Property to Make a Claim?
If a Lender Gets Title Insurance for Its Mortgage, Why Do I Need a Separate Policy for Myself?
Can You Be More Specific About the Types of Claims, or Risks, Covered by Title Insurance?
Standard coverage handles such risks as:
- Forgery and impersonation
- Lack of competency, capacity or legal authority of a party
- Deed not joined in by a necessary party (co-owner, heir, spouse, corporate officer, or business partner)
- Undisclosed (but recorded) prior mortgage or lien
- Undisclosed (but recorded) easement or use restriction
- Erroneous or inadequate legal description
- Lack of a right of access
- Deed not properly recorded
An Extended coverage policy may be requested to protect against such additional defects as:
- Off-record matters, such as claims for adverse possession or perscriptive easement
- Deed to land with buildings encroaching on land of another Incorrect survey
- Silent (off record) liens (such as mechanics’ or estate tax liens)
- Pre-existing violations of subdivision laws or zoning ordinances
Let's Work Together
Let us know how we can help make your real estate transaction a done deal!