What is title Insurance?
Owner's title insurance protects your right to your home.
By searching and insuring the title to your home before you buy it, your owner's title policy offers protection for your property rights for as long as you and your heirs own your home.
If ownership of your property ever comes into question, an owner's title insurance policy protects you from expensive legal problems that could result in the loss of your home.
Protect yourself and your family with the security of owner's title insurance
We diligently search public records for documents associated with the property and provide you with an expert, interpretive view of the impact of all recorded matters on the property's title.
If our title search reveals recorded defects, liens or encumbrances upon the title, such as unpaid taxes, unsatisfied mortgages, easements, restrictions or other impediments, these are reported to you prior to your purchase of the property.
We offer solutions to resolving these impediments so you own your property free and clear at closing.
How title insurance works
As property changes hands, mistakes and irregularities - often made long before you expressed interest in the property - can place your ownership in dispute. The seller may have...
· Avoided disclosure of using the property as collateral for an unpaid loan.
· Fraudulently claimed to be the sole owner.
· Failed to pay real estate taxes.
Even a simple mistake in the recording of legal documents, improper execution of legal instruments or the reappearance of undisclosed or missing heirs can result in the loss of your home.
Title Insurance: The ultimate property protection
If ownership of your property is ever challenged, title insurance will defend your possession of the property and assume the legal costs of that defense for as long as you and your heirs own the property. What's more, if any challenge to your property's title proves to be legitimate, title insurance will pay for your losses, just as your title insurance policy provides.
Fulfilling the dream of homeowership
Whether it's picking out paint chips, planting a new garden or unpacking all the boxes, making your house a home is a priority.
When that dream is finally realized, why wouldn't you take every precaution to protect it?
Our business is protecting ownership of your property: often the largest financial transaction you'll make in your life. For a relatively low, one-time premium, you're protected against legal problems over property rights that could cost tens of thousands of dollars - even the loss of your home. Dollar for dollar, an owner's title insurance policy is one the most cost-ecient forms of insurance for homeowners. Best of all, your one-time premium protects you for as long as you or your heirs own your property.