FAQs
Owning real estate is one of the most precious values of freedom in this country. Get the assurance that the property you are buying will be yours. Other than your mortgage holder, no one else should have any claims or restrictions against your home. Title insurance eliminates any risks and losses caused by faults in title from an event that occurred before you owned the property.
Some of the most common problems covered include:
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Unfiled or unpaid liens
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Inadequate legal descriptions
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Mistakes in legal documents
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Fraudulent deeds, mortgages, etc..
You are covered for as long as you or your heirs own the property. Even though the property may be sold, you may still have a legal obligation by virtue of the warranties in the deed conveying the property. The policy insuring you would still be in effect.
Each party needs to provide official photo-ID (e.g. drivers license or passport). If you are required to bring funds to the closing they should be in the form of a cashiers, treasurers, teller's check, or money order. Personal checks will not be accepted.