Title Insurance

Umbrella An umbrella illustrates the protection and safety offered by title insurance.

Learn about title insurance, and how it protects your property investment.

What Is a Title?

A title is the legal right a person has to the ownership and possession of land. It’s possible that someone, other than the seller, has a legal right to the property you’re buying. If that legal right is discovered after you purchase the property, a claim can be established against your ownership the property.

Title insurance provides you with needed security and peace-of-mind.

Blueprint of House A blueprint of a house shows that any new or existing home is worth protecting with title insurance.

What is owner’s title insurance?

An owner’s title insurance policy protects owners from any covered title discrepancies arising prior-to or concurrent-with the purchase of a piece of property. It differs from a lender’s policy, in that a lender’s policy only covers the lender’s interest in the property. An owner’s policy covers you, the homeowner, and your interest (equity).

What Risks Are Covered by Title Insurance?

Title insurance is a one-time purchase, included in your final closing costs. Your coverage will continue for as long as you and your heirs own the property.

Undisclosed but recorded prior mortgage, judgment, or easement

Shield A shield illustrating the protection title insurance offers against a type of title issue.

Errors in tax records

Shield A shield illustrating the protection title insurance offers against a type of title issue.

Forged notary or witness

Shield A shield illustrating the protection title insurance offers against a type of title issue.

Erroneous or inadequate legal descriptions

Shield A shield illustrating the protection title insurance offers against a type of title issue.

Deeds affecting property of deceased person, not joining all heirs

Shield A shield illustrating the protection title insurance offers against a type of title issue.

Defects in recorded instruments (missing notary seal or legal description)

Shield A shield illustrating the protection title insurance offers against a type of title issue.

Forged deeds, mortgages, discharges or releases

Shield A shield illustrating the protection title insurance offers against a type of title issue.

Deeds executed under falsified or expired power of attorney

Shield A shield illustrating the protection title insurance offers against a type of title issue.

Deeds challenged as being given under duress, undue influence or fraud

Shield A shield illustrating the protection title insurance offers against a type of title issue.