What is Title Insurance?

Title insurance offers an affordable and reliable way to protect yourself from total or partial economic loss caused by undisclosed defects in the title to your property.

Why do I need Title Insurance?

When you buy a home, or other property, you expect to enjoy certain benefits from ownership. Title insurance is designed to protect these rights. For example, you expect to be able to occupy and use the property as you wish, to be free from debts or obligations not created or agreed to by you, and to be able to freely sell or pledge your property as security for a loan.

What are the benefits of hiring a title company?

  • Providing marketable title to a buyer - most buyers will not buy a property without the purchase of an owners policy of title insurance.
  • Providing first lien position to a mortgage company by purchasing a loan policy - mortgage companies will not lend funds to purchase property without a loan policy.
  • Assistance through out the transaction - examination of records that affect the title of real estate, the clearance of title issues, the drafting of closing documents, the notarization of closing documents, and the exchange of funds.