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Title insurance protects the insured against covered title defects affecting the insured property. When you buy a home, you expect to enjoy important property rights. For example, you likely expect to be able to occupy the property, to be free from debts or obligations not created or agreed to by you, and to be able to freely sell your property or pledge it as security for a loan. Title insurance is designed to protect these important property rights.

Our team starts protecting you by discovering all we can about the title for the property you’re considering purchasing. Title research looks for any potential problems with a title – problems ranging from unknown liens to easements to usage restrictions and beyond. This helps ensure that you’re buying a property that is exactly what it should be.

Even the most in-depth title research may miss some crucial factors that could arise later in the real estate transaction. Our title insurance helps provide you and the lender with protection against these issues, making sure that you don’t end up losing money because of them.

There are few things in life more important than protecting your home. The following matters are examples of why you need a title insurance policy. Remember that the best title examination or search cannot protect your equity and home from matters not appearing in the public records. However, a title policy can protect you from:

• Documents executed under false, revoked or expired powers of attorney.
• False impersonation of the true landowner.
• Undisclosed heirs.
• Improperly recorded legal documents.
• Prescriptive rights in another not appearing of record and not disclosed by survey.
• Failure to include necessary parties to certain judicial proceedings.
• Defective acknowledgments due to improper or expired notarization.
• Corporate franchise taxes as liens on corporate real estate assets.
• Mistakes and omissions resulting in improper abstracting.
• Forged deeds, mortgages, wills, releases of mortgages and other instruments.
• Deeds which appear absolute, but which are held to be equitable mortgages.
• Conveyances by an heir, devisee or survivor of a joint estate who attempts to attain title by ill gotten means.
• Inadequate legal descriptions.
• Conveyances by undisclosed divorced spouses.
• Duress in execution of wills, deeds and instruments conveying or establishing title.
• Deeds and wills by persons lacking legal capacity.
• State inheritance and gift tax liens.
• Errors in tax records.
• Issues of rightful possession of the land.
• Deeds and mortgages by foreigners who may lack legal capacity to hold title.
• Legal capacity of foreign personal representatives and trustees.
• Issues involving improper marital status.
• Improper modification of documents.
• Rights of divorced parties.
• Conveyances in violation of public policy.
• Misinterpretation of wills and ancillary instruments.
• Deeds by persons falsely representing their marital status.
• Claims by creditors of decedent against property improperly conveyed by heirs and devisees.
• Issues concerning unlawful takings by eminent domain or condemnation.
• Real estate homestead exceptions.