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Owner's Title Policy. Why do I need Owner's Title Insurance?

OWNERS ARE NOT PROTECTED BY LENDERS TITLE INSURANCE. Title Insurance is an insurance policy or contract issued by a title company. It protects you, the purchaser or owner, against a loss that may arise by a reason of a defect in your ownership or interest you many have in real property. Some of these defects can include problems not disclosed by the most careful search of the public records (the title search) including:
• Forged deeds, releases, wills, or other legal documents
• Failure of spouses to join in conveyances
• Undisclosed or missing heirs
• Deeds from minors, aliens, or persons of unsound mind
• Errors in indexing of public records
• Liens for unpaid taxes including estate, inheritance, income, or gift taxes
• Erroneous reports furnished by tax officials
• Mistakes in recording legal documents
• Deeds from defunct corporations
• Unprobated wills.

Purchasing or refinancing a home?

Purchasing or refinancing a home may be the largest investment you will ever make. Choosing a title company is the key to the success of your closing.

>> More on Purchasing or Refinancing a Home

 

The Five Year Rule for Buying a House

When I first considered buying a house, my entire family got involved. I have the luck of being related to real estate agents, investors, and other experts that are more than happy to give advice...

>> More on Five Year Rule for Buying a House

Lender's Title Policy

Why do I need Lender's Title Insurance? Title Insurance is an insurance policy or contract issued by a title company. Lender's Title insurance is required by the Lender and protects the Lender from a loss that may arise by a reason of a defect in your ownership or interest you many have in real property. Some of these defects can include problems not disclosed by the most careful search of the public records (the title search) including:
• Forged deeds, releases, wills, or other legal documents
• Failure of spouses to join in conveyances
• Undisclosed or missing heirs
• Deeds from minors, aliens, or persons of unsound mind
• Errors in indexing of public records
• Liens for unpaid taxes including estate, inheritance, income, or gift taxes
• Erroneous reports furnished by tax officials
• Mistakes in recording legal documents
• Deeds from defunct corporations
• Unprobated wills.

Ten Home Inspection Deal Breakers… and a Little Chat with the Guy Under Your House

I’ll admit- I’m insanely curious about homes. When I’m at friends houses, I ask the kind of questions that earn me blank looks, head-scratching, and an occasional eye-roll over my obvious enthusiasm...

>> More on Inspection Deal Breakers

 

Why Buy an Owner's Title Insurance Policy?

I'm buying a home and the lender insists that I buy a title insurance policy before it will give me the loan. Now my real estate agent tells me that I should buy a policy for myself, too. This seems like overkill. The house I'm buying is only five years old, and the sellers are original owners. Is the agent right, and if so, why do I need this insurance?

>> Read full article

 
The Five Year Rule for Buying a House

When I first considered buying a house, my entire family got involved. I have the luck of being related to real estate agents, investors, and other experts that are more than happy to give advice...

>> More on Five Year Rule for Buying a House

 

 

 

 

Why do I need Lender's Title Insurance?
Owner's Title Policy. Why do I need Owner's Title Insurance?