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Title Insurance

Tuesday, April 30, 2024   /   by Jiselle Bersabe

Title Insurance

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When you purchase a home, you're not just buying walls and a roof; you're investing in a place where memories will be made. It's likely one of the most significant financial decisions you'll ever make. But with that dream of homeownership comes a level of risk. What if someone claims ownership of your property due to a clerical error or undisclosed heir? Title insurance is your safety net, ensuring that you and your family can enjoy your home without the fear of unexpected legal issues. Let's explore what title insurance is, why you need it, and how it can protect your most valuable asset.

WHAT IS TITLE INSURANCE?

Title insurance for homeowners secures your property rights. 

Before purchasing your home, the process involves investigating, resolving any issues, and then insuring the title, ensuring protection for your property rights throughout your ownership and that of your successors.

In the event of any dispute over property ownership, owner's title insurance safeguards you from costly legal entanglements that could jeopardize the ownership of your home.

PROTECT YOURSELF AND YOUR FAMILY WITH THE SECURITY OF OWNER’S TITLE INSURANCE

We conduct thorough research of public records to identify documents related to your property, offering a comprehensive analysis of any recorded issues that might affect the title.

 

If our examination uncovers any recorded defects, liens, or encumbrances on the title—like unpaid taxes, unsatisfied mortgages, easements, restrictions, or other complications—we will inform you before you finalize your purchase.

We also propose ways to resolve these issues, ensuring that you own your property free and clear at the time of closing.

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HOW TITLE INSURANCE WORKS:

When a property is transferred, various issues or discrepancies—often arising long before you showed interest in the property—can jeopardize your ownership. Here are some common scenarios that might affect your title:

 

  • The seller might not disclose that they used the property as security for a loan they haven't paid off.
  • They could falsely claim to be the only owner of the property.
  • They may have neglected to pay real estate taxes.


Additionally, even minor errors in legal paperwork, improper signing of legal documents, or the unexpected emergence of undisclosed or missing heirs can lead to complications that might ultimately threaten your claim to the property.


GET THE COMPLETE OWNERSHIP SECURITY YOU NEED WITH OUR FOUR PILLARS OF PROTECTION:

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Service

Extensive network of skilled professionals, spanning the nation, guarantees thorough title searches and examinations, ensuring accurate and timely closings. You can rely on our experience and dedication to guide you through every step.

Security

We lead the way in fighting mortgage fraud, providing robust protection against identity theft and misrepresentation. Our security measures keep your transaction and information safe.

Technology

We maintain the largest industry database of real estate-related records, documents, and public information. With advanced technology and fast communication tools, our team can quickly and securely verify property titles, giving you peace of mind.

Trust

Homebuyers choose us for our clear and open approach to real estate transactions. We are committed to explaining every step, fee, and requirement, answering all your questions along the way. Trust us to make the process transparent and straightforward, helping you feel confident about your most significant investment.       

 

 

TITLE INSURANCE: THE ULTIMATE PROPERTY PROTECTION

 

Title insurance ensures that if anyone challenges your ownership of a property, you'll have a robust defense that covers all legal costs for as long as you or your heirs own the property. If it turns out that the challenge to your title is valid, the insurance will compensate you for any losses according to the terms of your policy.

FULFILLING THE DREAM OF HOMEOWNERSHIP

 

From picking paint colors to planting flowers, turning a house into your home is a rewarding journey. So when you've finally made that dream a reality, it makes sense to protect it.  

 

Our business is all about safeguarding your property rights. Considering that buying a home is often the largest financial transaction you'll make, a single, affordable premium for title insurance can shield you from legal issues that could otherwise cost tens of thousands of dollars or even result in the loss of your home. It's one of the most cost-effective insurance policies for homeowners, providing coverage for as long as you or your heirs own the property.

 

20 IMPORTANT REASONS WHY YOU WHY YOU NEED OWNER’S NEED OWNER'S TITLE INSURANCE

1. Forgery of documents
2. Fraud in document execution
3. Undue influence on the property grantor
4. False impersonation by someone claiming ownership
5. Errors in property surveys
6. Undisclosed or missing heirs
7. Improperly probated wills
8. Misinterpretation of wills or trusts
9. Mental incompetence of the deed's grantor
10. Property transfer by a minor
11. Heirs born after the will's creation
12. Incorrect legal property descriptions
13. Deeds not properly delivered
14. Unrecorded claims against the property
15. Deeds signed with expired or fake powers of attorney
16. Confusion from similar or identical names
17. Dower or courtesy rights of previous owners' spouses
18. Incorrect indexing of land records
19. Clerical mistakes in document recording
20. Delivery of deeds after the grantor's death
In the end, title insurance offers more than just a policy—it provides peace of mind. It ensures that the home you've worked so hard to obtain remains yours, regardless of unexpected legal challenges or documentation errors. With a one-time premium, you can protect yourself and your heirs from costly disputes and potential loss of ownership. When you consider the stakes involved in homeownership, investing in title insurance is a practical and cost-effective way to safeguard your future. Don't let unforeseen legal complications threaten your dream home. Get title insurance and rest easy knowing your property rights are secure


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