Why Title Insurance? 

Title insurance does one very important thing.... protects your property rights

With a one time fee, purchasing an owner's policy can protect your

property rights for as long as you or your heirs own the property.

 

The real question for you isn't "why" title insurance,

but "why not" title insurance?

An owner's policy protects you from:

  • Unpaid mortgages

  • Unpaid property taxes

  • Child support liens

  • Missing heirs who could claim the property

  • Missed easements or rights of way that could
    limit your use of the property

What is the difference between the two
types of Title Insurance policies?

  • Owner's Policy

    • Protects the home-buyer​

    • A one time fee based on your real estate purchase

    • Provides protection for as long as you or your heirs have an interest in the property

    • Protects you from any previous title related issues (listed above)

  • Lender's Policy

    • Protects the lender

    • Usually required by your lender when they issue you a loan

    • Based on the dollar amount of your loan

    • Only protects the lender's interests in the property if any problems arise

    • Does not protect the home-buyer in any way

    • Policy amount decreases each year and eventually disappears as the loan is paid off

Title Insurance Explained Visually

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