Title Insurance for Your Peace of Mind

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Purchasing a home is likely the single largest investment you will ever make. So before you sign on the dotted line, you must be certain that the "title" of the property is free of any other claims.

A title company ensures that your new home won't surprise you with encumbrances and other legal obstacles.

You pay the title insurance company a single premium which includes the cost of verifying clear title and covers you in case some fault is later discovered in the title.

The title insurance company searches the title history of the property. The title insurance company can usually find any title problems that may arise and have these problems cleared-up before you close on the property.

Real Estate law is extraordinarily complex. Title companies make sure that all the T's are crossed and all the I's are dotted so you don't end up with a clouded title and legal problems. Your title insurance owner's policy will describe the property and outline the limitations on your ownership. It will also cover what the title company is responsible for. Typically your title insurance will protect you in the following cases:

  • Contested title — Someone, usually a previous owner or occupant, claims they still own the property or have not given up their claim. In this case, the title company will defend the title and will cost you nothing.
  • Defective title — "Defective title" covers any number of problems with the title to your home. It can even include a "contested title". Defects are rare, but they can be very difficult, making the property inaccessible, unbuildable, or unsaleable. Any number of other complicated problems define "Defective title" or "Clouded Title." The title insurance company will discover these problems, or should they miss them, insure your loss up to the amount of the policy.

Bob Rutledge Mortgage can answer questions about title insurance and many others. Give us a call: 3149139678.

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