What is Title Insurance?    A Title Insurance commitment is prepared based upon a search of the public records associated with a property that you intend to purchase or refinance.  The insurance commitment provides a detailed description of any liens, defects or encumberances that may affect the property, along with requirements that will clear these issues prior to your purchasing and/or having a mortgage lien placed on the property.  In most cases a title insurance policy with all title defects cleared affords you with peace of mind that title issues will not affect your ability to enjoy, and eventually sell your own property.  In many instances, in the event that any title-related issues arise after the issuance of a title policy, the title insurer, will defend your claim to the property.  

Why do I need Title Insurance? Purchasing a home is the biggest investment most people will make in their lifetime.  Owner’s Title Insurance offers protection to you, as the homeowner, against most title-related claims, defects or issues that may arise against your property.  For one predetermined low premium, you and your heirs will be afforded this protection, potentially saving you from extensive legal costs up to and including the loss of your property.  It is important to keep in mind that while the Lender’s Title Insurance policy protects the lender’s interest, only an Owner’s Title Insurance policy protects you as the property owner.

Title Insurance

How much will Title Insurance cost? To obtain an estimate for your rate, click on the rate calculator below.  Title Insurance premiums, which are generally approved by state insurance regulators are calculated based upon a number of variables, including but not limited to the state in which the property is located and the value of the to-be insured property. A search of the public property records may be required to determine the final premium.  In certain instances a discounted rate or re-issue rate may be available to you. Additional fees may be added for any necessary endorsements  NOTE:  Clicking on this link will bring you to another site