A Guide To Title Insurance


Title is your ownership right
to your property.

No homebuyer wants to inherit existing
debts or legal issues that could interfere
with their property rights in the future.

Clear title allows you to use or modify
your property.


Title insurance professionals examine or

research public records to see if there

are any problems or defects that could

cause you legal issues. They may also

manage the closing process.


The title professional ensures the title

search is completed, writes the title

insurance policy and works to reduce

your risk of ownership issues in the


Your title professional has your back.

They sweat the small stuff

so you don’t have to, giving

you peace of mind.


A title search is an early

step in the home buying process to

uncover issues that could limit

your rights to the property.

If a title issue is discovered,

most often your title professional will

take care of it without you even

knowing. After the title problem is fixed,

you are able to purchase owner’s title



The title search allows the title

professional to issue you a

comprehensive title insurance policy.


There are two different types of title

insurance: the owner’s policy and the

lender’s policy. The owner’s policy is

purchased by you, the homebuyer.

While it is your choice, purchasing an

owner’s title insurance policy is the best

way to protect your property rights.

The lender’s policy is usually paid for by

you or the seller. It is almost always

required by the lender and only

protects the lender’s interest.

Sometimes undiscoverable

defects can come up after the title

search. Title issues may include forgery,

fraud or clerical errors. Owner’s title

insurance is the best way to protect

yourself from losing your property.


Every year, the vast majority of

homebuyers in America elect to

protect the largest investment of their

lives, and purchase owner’s title

insurance. Owner’s title insurance

protects your interests after you

purchase your home.


Closing is the final step

in executing the home

buying transition.


It is the process that allows the transfer

of ownership to occur.


Upon completion

of the closing process,

you get the keys to your home!