A title is the foundation of property ownership. It is the owner's right to posses and use the property.

What is title insurance?

Title insurance is your policy of protection against loss of any of these problems- even a "hidden hazard"- results in a claim against your ownership.

Probably a lot less than you think. Title Insurance charges vary in different sections of the country, but generally the cost of title insurance amounts is based on the sales price or the mortgage of the property.To get an accurate quote on your title premium contact us. And unlike other insurance premiums, which must be paid annually, a title insurance premium is paid one time only, usually at settlement.

A title search is a detailed examination of the historical records concerning a property. These records include deeds, court records, property and name indexes, and many other documents. The purpose of the search is to verify the seller's right to transfer ownership, and to discover any claims, defects and other rights or burdens on the property.

What kinds of problems can a title search reveal?

A title search can show a number of title defects and liens, as well as other restrictions. Among these are unpaid taxes, unsatisfied mortgages, judgments against seller and restrictions limiting the use of the land. Are there any problems that a title search cannot reveal? Yes. Even the most diligent title search may never reveal all potential problems. For instance, the previous owner could have incorrectly stated his or her marital status, resulting in a possible claim by a legal spouse. Other "hidden hazards" include fraud and forgery, defective deed, mental incompetence, confusion due to similar or identical names and clerical errors in the records. These defects can arise after you've purchased your home and can jeopardize your right to ownership.

How long does my owners coverage last?

As long as you or your heirs retain an interest in the property and, in some cases, even beyond.