FAQs

Title insurance is the insurance you get to protect yourself from a potential loss related to owning property, such as unexpected legal costs or the loss of your property.

During the process of transferring land, most often associated with buying a home, we will check the property’s ownership history. Records and other events prior that may directly affect ownership of the property are given a complete search. The title search may also reveal liens or defaults on the property that occurred prior to ownership, that may need to be remedied. After completion of the search, an underwriter then determines the insurability of the title insurance policy.

In most cases, yes. If a lender or mortgage company is involved, they will require you to purchase a title insurance policy. Real estate transactions that do not involve a lender are optional but highly recommended for your protection regarding the subject property.

No! This is a big misconception in relation to purchasing title insurance. The buyer or borrower has complete control over what title company they chose to use. We always urge buyers and borrowers to do their own research and pick a title company that will best fit their needs.

Title insurance is a one-time cost that is incurred by the buyer or borrower.

Title insurance costs are determined through multiple factors including the sale price, loan amount, and other potential endorsements

Click here to request a quote for your specific title insurance.

Forgery, unreported liens or easements, document errors, tax issues, and other defects are all problems a title search can unearth.

Title insurance will cover any costs that may occur, and assures the validity of your ownership.

Yes. An owner’s policy is issued for a real estate purchase. A lender’s policy is issued for a refinance on a home.

During the process of transferring land, most often associated with buying a home, we will check the property’s ownership history. Records and other events prior that may directly affect ownership of the property are given a complete search. The title search may also reveal liens or defaults on the property that occurred prior to ownership, that may need to be remedied. After completion of the search, an underwriter then determines the insurability of the title insurance policy.