What is Title Insurance

Buying a home is an exciting and emotional time for many people. To help you buy your home with more confidence, make sure you get the owner’s title insurance. Title insurance provides peace of mind and, more importantly, financial protection for any damages a property owner incurs as a result of unknown or unforeseen legal issues involving ownership of real property, including the cost of hiring an attorney. Title insurance is purchased via a one-time charge at closing and the owner lasts as long as the insured or their heirs have an interest in the property.

REASONS WHY HOMEOWNERS NEED TITLE INSURANCE

PROTECTS YOUR LARGEST INVESTMENT
A home is probably the single largest investment you will make in your life. Owner’s title insurance protects your property rights for as long as you own your home.

NOTHING COMPARES
Homeowner’s insurance and warranties protect only the structure and belongings of your home. Getting the owner’s title insurance ensures your property rights are protected.

COVERS YOUR HEIRS
As long as you or your heirs own your home, owner’s title insurance protects your property rights.

PEACE OF MIND
If you’re buying a home, title insurance lets you rest assured, knowing that you’re protected from inheriting possible debts or legal problems once you’ve closed on your new home.

PROTECTS YOURSELF FROM BOGUS CLAIMS
A neighbor can always come forward and claim they own part of your property, even if they don’t, you would have to pay an attorney to defend yourself. Title insurance will provide legal assistance to help you defend that bogus claim.

YOU CAN’T BEAT THE VALUE
Owner’s title insurance is a one-time fee that’s very low relative to the value it provides. It typically costs around 0.5% of the home’s purchase price.

REDUCES YOUR RISK
Getting an owner’s title insurance policy is the best way to protect yourself from unforeseen title discrepancies.

8 IN 10 HOMEBUYERS AGREE
Each year, more than 80% of America’s homebuyers choose to get owner’s title insurance.

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