Your home is often the largest financial transaction you’ll ever make - our business is protecting the title to your property from unknown defects. Under the terms of your insurance policy, for a relatively low, one-time premium, you’re protected against covered losses that could cost tens of thousands of dollars. Dollar for dollar, an owner’s title insurance policy is one of the most cost-efficient forms of insurance for homeowners. Best of all, your one-time premium protects you for as long as you own your property.
As property changes hands, mistakes and irregularities – often made long before you expressed interest in the property – can place your ownership in dispute. The seller may have:
Even a simple mistake in the recording of legal documents, improper execution of legal instruments or the reappearance of undisclosed or missing heirs could result in the loss of your home.
In order to provide title coverage, we search public land records for documents and other interests that may be associated with the title to your home.
If we identify recorded defects, liens or encumbrances upon the title, such as unpaid taxes, unsatisfied mortgages, easements, or restrictions, these are identified on a report prepared prior to your purchase of the property. We will then discuss with you how to resolve these items prior to closing.
If you later identify a potential title issue, you should review our policy for potential coverage.
To the extent of your coverage under your title insurance policy, if ownership of your property is challenged, the title company will defend your ownership of the property – and assume the legal costs of that defense – for as long as you own the property. What’s more, if challenges to your property’s title proves to be legitimate, the title company will pay for your covered losses.
Take advantage of the title company’s expertise, strength and superior service for your peace of mind and the protection of your property.