Title Insurance 101:

Why do I need title insurance?

A real estate purchase is usually one of the best investments you can make. A home is probably the largest single purchase you will make.

You protect your property against fire and other casuality damage with homeowner's hazard insurance, but what about protecting your title - your right of ownership?

Title problems are defects that occur before the date of the policy and remain undisclosed until sometime later. Even the most thorough and accurate search of the public records cannot reveal these "hidden" hazards which could delay the sale of your property, make it unmarketable or even cause you to lose your property.

An Owner's Title insurance policy protects your investment against such hazards that can cause you to forfeit your property or the ability to market it.

Lender Policy

What is a Lender's policy?

Your lender knows that title problems can occur more often than you think. Most lenders require title insurance to protect their interests in the property.

Owners not insured by the Lender Policy.