With few exceptions, a home represents the largest single investment most people make in their lifetime. Thus it is only natural that an owner will want to make that investment secure by protecting the basic proof of ownership. Title Insurance is the most effective and cost efficient way of doing just that.

What Is Title Insurance? A Title Insurance Policy is a contract that protects a consumer against losses arising through defects in the title to the real estate. The Title Insurance Company agrees to provide the owner and mortgage holder a legal defense of the title if a claim arises.

What Can Make A Title Defective? These are just some of the hidden defects that a Title Insurance Policy can protect against:

• Fraud
• Forged Deeds
• Unknown Heirs
• False Affidavits
• Unpaid Judgments
• Unfiled Liens
• Forged Documents
• Improperly Indexed Documents

Title Insurance Protects Against Recorded And Hidden Title Defects. If You Are Not Using Title Insurance, You Are Not Fully Protected.

Do I Need Title Insurance?Purchasing real estate is probably the biggest investment you will ever make. With that in mind, you will probably want to insure it not only to protect it from fire and theft but also from title defects that may allow someone else to hold a claim to your property.

It is possible for prior owners and other entities to hold both legitimate and illegitimate claims against your property. Problems with the title can limit your use of the property and could lead to a financial loss. The security interest of your mortgage lender can be put at risk as well. Title insurance protects you and your mortgage company from potential risks associated with defects in title.