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Title Insurance

What is Title Insurance
Title Insurance is Risk Elimination Insurance which requires a one time premium. Auto, fire and homeowners insurance require annual premiums as it is expected that you will make certain claims periodically.

Risk Elimination
Title insurance is designed to protect you from being subject to any unforeseen "surprises" to the ownership of your real estate. The first step to guaranteeing your protection is a title search. By investigating all county records on your property, a title search can verify the seller's right to transfer ownership, locate any claims, assessments, errors, or miscellaneous defects on the title to the property and virtually eliminate the risk factor for the buyer.

When you Close
Judgments, liens and title defects are eliminated at the closing. This process will ensure a clear title to your property. Once completed, the closing documents will be recorded with the county as public record of your ownership. Some of the costs that you can expect in the closing include: Title Search Fees; Title Insurance Premium; Property Taxes or other Government Fees; Loan Charges; Appraisal Fees; Survey Fees Be sure you understand all the charges assessed in your closing costs. Obtain an itemized list and review it thoroughly before you close.

Title Policy
After the recording of the deed, you will be issued an Owner's Title Insurance Policy. Your policy will guard you against such risks as:

Errors: Incorrect information on deeds, public records, etc.

Liens: Unpaid mortgages, taxes, sewer and water assessments, or other creditors, etc.

Ownership: By the spouse of previous owner or anyone else claiming an ownership interest in the property.

Invalid Deeds: Transfer by former seller who did not actually own the property, or by former owner not mentally competent.

Your Protection
Title Insurance is your safeguard. It can save you trouble, time, money, and ultimately your home. It acts as a shield to guard you against your property. If your ownership becomes threatened by any claim covered in your policy, your title company will negotiate to settle the claim and if necessary, defend your title in court. Additionally, the title company will be responsible for legal costs incurred while defending your title. If your property title is ever threatened, you can rest easy knowing you are safe when you are covered by Title Insurance.

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 07/30/2010. The listing information on this page last changed on 07/30/2010. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of NWMLS (last updated Fri 07/30/2010 2:58:17 PM EST) or OMLS (last updated Thu 06/23/2005 1:29:06 PM EST). Real estate listings held by brokerage firms other than RE/MAX Professionals & Four Seasons may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved. --
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