The Value of Title Insurance

We protect policyholders from the unknown

More than likely, your home is your biggest investment, and we protect your interest in that investment. Title insurance protects real estate owners and lenders against any property loss or damage they might experience because of liens, encumbrances or defects in the title to the property. Each title insurance policy is subject to specific terms, conditions and exclusions. While other types of insurance (such as flood, auto or homeowners insurance) provide coverage that focuses on possible future events, title insurance protects against loss from hazards and defects already existing in the title to a property. Some examples of such defects might be improperly executed documents from a previous sale of a lien against a previous owner.

Over half of all real estate transactions have a problem somewhere in the chain of title, we find these issues and assist in taking corrective action to enable the transactions to go through and allow our customers to have peace of mind about their new home purchase.

Don't risk tens or hundreds of thousands in Pounds, Euros, Dollars when buying a property abroad!

Title insurance provides valuable protection at a good value

Another difference between other types of insurance and title insurance is in how the policies are paid for. Title insurance is normally purchased with a one-time premium and provides coverage for as long as the policyholder or their heirs own the property. This is unlike the annual or monthly premiums you must pay for other insurance types. Title insurance is included FOC with all our mortgages!

Examine the cost of title insurance over the life of the policy versus other types of insurance and you'll find that policyholders receive a great value for the money they spend. Title insurance is included FOC with all our mortgages!

There are few things in life more important than protecting your home. The following matters are examples of why you need a Title insurance policy. Remember that the best title examination or search cannot protect your equity and home from matters not appearing in the public records. However, a Title Insurance policy with us can protect you from:

Documents executed under false, revoked or expired powers of attorney
False impersonation of the true land owner
Undisclosed heirs
Improperly recorded legal documents
Prescriptive rights in another not appearing of record and not disclosed by survey
Failure to include necessary parties to certain judicial proceedings
Defective acknowledgements due to improper or expired notarization
Corporate franchise taxes as liens on corporate real estate assets
Gaps in the chain of title
Mistakes and omissions resulting in improper abstracting
Forged deeds, mortgages, wills, releases of mortgages and other instruments
Deeds by minors
Deeds which appear absolute, but which are held to be equitable mortgages
Conveyances by an heir, devisee or survivor of a joint estate who attempts to attain title by ill-gotten means
Inadequate legal descriptions
Conveyances by undisclosed divorced spouses
Duress in execution of wills, deeds and instruments conveying or establishing title
Issues involving delivery of conveyancing instruments
Deeds and wills by persons lacking legal capacity
State inheritance and gift tax liens
Errors in tax records
Demolition and substandard building liens
Administration of estates and probate of wills of missing persons who are presumed deceased
Issues of rightful possession of the land
Issues concerning the rightful conveyances by corporate entities
Deeds and mortgages by foreigners who may lack legal capacity to hold title
Legal capacity of foreign personal representatives and trustees
Issues involving improper marital status
Improper modification of documents
Rights of divorced parties
Conveyances in violation of public policy
Misinterpretation of wills and ancillary instruments
Deeds by persons falsely representing their marital status
Claims by creditors of decedent against property improperly conveyed by heirs and devisees
Issues concerning unlawful takings by eminent domain or condemnation
Special tax assessments
Forfeitures of real property due to criminal acts
Issues concerning adoption of children
Interests arising by deeds of fictitious parties
Adverse possession
Lack of jurisdiction or competency of persons in judicial proceedings
Community property issues
Utility easements
False affidavits of death or heirship
Intestate estates
Probate matters

The Value of Title Insurance

Title insurance provides valuable protection at a good value

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