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Your investment in real estate may be one of the most important investments you make. Title insurance protects that investment.
Before title insurance is issued, thorough examination of public records by professional title examiners is done to check for title hazards that may be present. However, unforeseen problems are always possible. Obtaining an Owner’s Policy of Title Insurance is recommended to protect you against most of these possible events.
Title insurance also provides protection against defects and hidden risks. To the extent provided in the terms of the policy, title insurance will pay for a defense against any lawsuit attacking the title as insured, clear up title problems or pay the insured’s losses.
By paying a one-time premium, the insured remains protected by an owner’s title insurance policy for as long as interest in the property is retained by the insured. When issued along with a loan policy, owner’s title insurance offers a property owner the best title insurance value. In order to reduce risks involved with lending money for the acquisition of real estate, a lender will make certain of the quality of the title to the property being purchased. A title insurance loan policy offers the lender additional assurances that the title quality is satisfactory.