Why Title Insurance

Title Insurance protects against hidden title hazards that may threaten your financial investment.

When purchasing real property, in addition to purchasing the actual structure and/or land, you are also purchasing the title to the property and the right to occupy and use the space. That title may be limited by rights and claims asserted by others, which may inhibit your use and enjoyment of the property and even bring financial loss.

With a one-time premium upon the purchase of your property, you can rest assured that your investment will be protected against loss from hazard and defect that may have existed in title prior to your ownership.

Who Should Purchase Title Insurance?

The two types of policies most commonly utilized are an Owner’s Policy and a Lender’s Policy.

A Lender’s Policy insures that the Lender’s security interest in the property has priority over claims that others may have in your property. This Policy does not protect you as the owner of the property.

If you want to protect yourself from claims by others against your new property, you must purchase an Owner’s Policy. An Owner’s Policy insures the Buyer for as long as he or she owns the property. The protection provided under a standard Owner’s Policy is limited to the amount of the policy purchased, which is typically equal to the fair market value of the Premises.

How Much Title Insurance Will I Need?

Typically, the Buyer is required to obtain title insurance equal to the full purchase price of the fair market value of the property. The Lender, on the other hand, obtains title insurance in an amount equal to the loan amount.

For more information or to obtain a quote, please contact one of our Team Members at This email address is being protected from spambots. You need JavaScript enabled to view it.