All Properties

Title insurance provides protection to both lenders and owners against losses due to defects in the title of a property. Some benefits of title insurance are:

• Protection against title defects: Title insurance protects against financial losses that may result from title defects such as liens, encumbrances, and defects in the title that existed prior to the purchase.

• Peace of mind: Title insurance provides peace of mind knowing that the title has been thoroughly researched and cleared, and that any issues with the title will be resolved by the title insurance company.

• Cost-effective: The cost of title insurance is a one-time fee paid at closing, making it a cost-effective way to protect your investment.

• Transferability: Title insurance remains in effect for as long as you own the property and can be transferred to future owners, providing ongoing protection.

• Smooth closing: Title insurance ensures a smooth and timely closing process by identifying and resolving any title issues before closing.

• Lender requirements: Most lenders require title insurance as a condition of lending, so obtaining title insurance is necessary to secure financing for the purchase of a property.

Title insurance also provides protection against various title defects that may arise during the course of property ownership, such as:

• Forged or fraudulent documents, including deeds, mortgages, and wills, that could result in a loss of property rights
• Improperly recorded legal documents that could affect the ownership or transfer of the property
• False impersonation of the true landowner or undisclosed heirs that could create conflicting claims to the property
• Errors in public records or mistakes in legal descriptions that could affect the accuracy of the title search
• Claims of creditors, tax liens, or other encumbrances on the property that could result in a financial loss
• Issues related to marital status, including conveyances by undisclosed divorced spouses or conveyances made by persons falsely representing their marital status
• Issues related to capacity, including conveyances by minors, persons lacking legal capacity, or personal representatives and trustees who lack the legal authority to act
• Conveyances in violation of public policy or that affect the rights of military personnel protected by federal laws
• Eminent domain or condemnation takings that could result in a loss of property rights
• Special assessments or real estate homestead exceptions that could affect the property’s value or use
• Utility easements and other interests in the property that may not be apparent from the public records
• Probate matters, including intestate estates and matters related to the administration of estates and probate of wills of missing persons who are presumed deceased
• Issues related to community property or community property laws

By providing coverage against these and other potential title defects, title insurance helps protect the investment of property owners and lenders, and provides peace of mind knowing that any covered issues will be resolved by the title insurance company.

Overall, title insurance provides peace of mind and protection against potential financial losses, making it an essential component of any real estate transaction.