Title Insurance protects your right to your home.
As property changes hands, mistakes and irregularities, often made long before you plan on purchasing the property, can place your ownership in dispute. 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.
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 comprehensive title curative and title clearance solutions to resolving these impediments so you own your property free and clear at closing.
Purchasing an owner’s title insurance policy is your peace of mind that, should an issue arise that challenges the validity of your ownership, your policy 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. 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.
20 Important Reasons Why You Need Owner’s Title Insurance
2. Fraud in the execution of documents
3. Undue influence on a grantor of a deed
4. False impersonation by someone purporting to be the owner of the property
5. Errors in surveys
6. Undisclosed or missing heirs
7. Wills not properly probated
8. Misinterpretation of wills and trusts
9. Mental incompetence of a grantor of a deed
10. Transfer of title by a minor
11. Heirs born after the execution of a will
12. Incorrect legal descriptions
13. Non-delivery of deeds
14. Unsatisfied claims not shown on the record
15. Deeds executed under expired or false Powers of attorney
16. Confusion due to similar or identical names
17. Dower or courtesy rights of spouses of former owners
18. Incorrect indexing of the land records
19. Clerical errors in recording legal documents
20. Delivery of deeds after the death of the Grantor