Title Insurance
Title insurance is protection against loss arising from problems connected to the title to your property.
Before you purchased your home, it may have gone through several ownership changes, and the land on which it stands went through many more. There may be a weak link at any point in that chain that could emerge to cause trouble. For example, someone along the way may have forged a signature in transferring title. Or there may be unpaid real estate taxes or other liens. Title insurance covers the insured party for any claims and legal fees that arise out of such problems.
Learn More >>Underwriting
By insuring a policy, the underwriters are agreeing to defend the policyholders title in court should any lawsuits arise with adverse claims. These agencies create lists of specific policy exclusions that are not covered by the this protection. The exclusions include such things as: the rights of parties in possession, unrecorded easements, encroachments, zoning laws, and other governmental restrictions. The remaining attributes that are insured by a title insurance underwriting company are known collectively as a "marketable title". To underwriters this "marketable" property ownership means one that is not necessarily perfect, but has more insurable traits than exclusions.
Order Services >>Commercial
Commercial title insurance yields many of the same benefits as residential title insurance, but is designed to handle the more complex details typical of a commercial real estate transaction.
Order Services >>Residential
Because residential property often has a long and convoluted history of previous owners and transactions. You can't tell by looking at the property and the current deed whether the title is good. Home Title insurance protects you and the lender against loss resulting from claims by others against your new home.
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