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What is Title Insurance?

Title Insurance is a means of protecting yourself from financial loss in the event that problems develop regarding the rights to Ownership of your property.  There may be hidden title defects that even the most careful title search will not reveal.  In addition to protection from financial loss, Title Insurance pays the cost of defending against any covered claim.  

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Here are some examples of protections you would receive from having Title Insurance:

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  • Improper execution of documents

  • Mistakes in recording or indexing of legal documents

  • Forgeries and fraud

  • Undisclosed or missing heirs

  • Unpaid taxes and assessment

  • Unpaid judgments and liens

  • Unreleased mortgages

  • Mental incompetence of grantors on the deed

  • Impersonation of the true owners of the land by fraudulent persons

  • Refusal of potential purchaser to accept title based upon condition of the title

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When you purchase your real estate property, you take "title" to your property.  Any number of problems that remain undisclosed after even the most meticulous search of public records can make a title defective.  These hidden "defects" are dangerous indeed because you may not learn of them for many months or even years until you go to sale or refinance your property.  Yet they could force you to spend substantial sums on a legal defense and still result in the loss of your property.

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If you're purchasing your property with financing your lender may require that they receive a "Lenders Title Insurance Policy" and at the cost of the borrower.  This policy only ensures that the lender has a valid, enforceable lien on the property.  

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Title Insurance is a one-time premium which is directly related to the value of your property at the time of your purchase.  Typically, it is less expensive than your annual auto insurance.  Yet it continues to provide complete coverage for a long as you or your heirs own the property.

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 YOUR HOME IS YOUR MOST VALUABLE MATERIAL ASSET.  IF THE POTENTIAL LOSS OF YOUR HOME ARISES FROM A COVERED TITLE PROBLEM, AN OWNER'S POLICY WILL PROTECT YOU!!

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