Most kinds of insurance are self-explanatory.  They protect against losses from events that might occur in the future such as fire, theft or collision.  Title insurance, however, is different.  Title insurance protects against defects in title that may arise from events that occurred in the past.  

You should realize whenever you buy property, that the owner who is selling it to you has extremely strong rights, as do his family and heirs.  Also, there may be others in addition to the owners who have rights in the property you are going to buy.  These may be governmental bodies, contractors, or individuals who have unpaid claims against the property.  

Anyone who has such a claim is, in a sense, a part owner.  The property may be sold to you without the party who has a claim knowing about the sale. And you may know nothing about such a claim at the time you buy.  It doesn’t matter.  These claims may remain attached to the real estate you have purchased.  

Will you get a clear title?  It is of the greatest importance that you do.  But this means that you must be informed about any of these claims against your land so that you can make certain they are cleared up before you buy.  And that means that you must be protected against any undiscovered claims that may arise in the future to threaten your title and the possession of your property.  Title insurance provides this twofold protection.  

You learn what claims there are against the property by a search of the public records.  This is the first step the title insurance company takes in order to insure your title.  Some of the things a title search uncovers are any unpaid taxes or mortgages; judgments against previous owners, easements, and any many other court actions or recorded documents, which can affect title to real estate.  The title insurance company finds and reports such defects in title so that these matters can be corrected and cleared up.  This is the first benefit you receive when title insurance is ordered.  

The Seller will pay for your title insurance, but it is up to you to negotiate the level of insurance provided. We will help you get the best kind of insurance that will protect you even further.