why you need owner's title insurance

Forgery

Fraud in the execution of documents

Undue influence on a grantor of a deed

False impersonation by someone purporting to be the owner of the property

Errors in surveys

Undisclosed or missing heirs

Wills not properly probated

Misinterpretation of wills and trusts

Mental incompetence of a grantor of a deed

Transfer of title by a minor

Heirs born after the execution of a will

Incorrect legal descriptions

Non-delivery of deeds

Unsatisfied claims not shown on the record

Deeds executed under expired or false powers of attorney

Confusion due to similar or identical names

Dower or courtesy rights of spouses of former owners

Incorrect indexing of land records

Clerical errors in recording legal documents

Delivery of deeds after the death of the Grantor

What is title insurance?

Owner’s title insurance protects your right to your home. By searching, clearing, and insuring the title to your home before you buy it, your owner’s title policy offers protection for your property for as long as you and your heirs own your home. If ownership of your property ever comes into question, an owner’s title insurance policy protects you from expensive legal problems that could result in the loss of your home.

how title insurance works

As property changes hands, mistakes and irregularities—often made long before you expressed interest in the property—can place your ownership in dispute. The seller may have:

     Avoided disclosure of using the property as collateral for an unpaid loan.

     Fraudulently claimed to be the sole owner.

     Failed to pay real estate taxes.

Even a simple mistake in the recording of legal documents, improper execution of legal instruments or the reappearance of undisclosed or missing heirs can result in the loss of your home.