Why Title Insurance? Here are a few of the most important Reasons:

A title search is the examination of all the records comprising a history of the title to real estate. Title Insurance protects you and the lender from the possibility of challenges due to defects in title unknown at the time issued. Possible title defects include:
A. Errors or omissions in deeds
B. Mistakes made in examining records
C. Forgery
D. Undisclosed heirs
E. Missing heirs
F. Liens for unpaid taxes
G. Liens by contractors

Before the issuance of a title policy, the title company will check for the defects listed above by examining public records, which may include deeds, mortgages, wills, divorce decrees, court judgments, tax records, liens, encumbrances and maps. During a title examination the title company will determine who owns the property, any outstanding debts against the property and overall condition of the title.

While some insurance may protect against future events, Title Insurance guards against certain events, past or present, regardless of whether or not the information is a part of public record. Title Insurance assures the owner is protected against information that is not disclosed.

A certificate or attorney's opinion will not guarantee or insure the title and an abstract is only the history of the title. Title Insurance is evidence that the purchaser has title to the property.

Contact one of our offices today to get started on the right track for your real estate transaction!!