Title Insurance

What is title?

Title is your ownership right to your property, and it is transferred from seller to buyer at the time of closing.

A title examination is completed during the early part of your home buying process to uncover any issues that could prevent your right to the property. Title professionals then review the title search to see if there are any problems or defects that could cause legal issues in the future and clear them when possible.

Understanding Title Insurance

Title insurance ensures that the purchaser owns the property free and clear from all defects, liens, and encumbrances except those items listed as exceptions in the title insurance policy.

Title insurance provides peace of mind that the home you are purchasing is protected from existing or unknown title issues. There are two types of title insurance: the owner’s policy and the lender’s title policy. An owner’s policy protects your property rights for as long as you or your heirs own the property. A lender’s policy is usually required by the lender to protect their financial interests in the property.