Unlike most other forms of insurance, title insurance looks backwards, not forwards. Title Insurance protects the policyholder against an event or act that has already occurred, rather than one that may occur in the future, allowing a property owner to rightfully make a legal claim against title. It insures the legal “marketability” of title to a parcel of real estate – free and clear of any liens, defects or encumbrances that would prevent the owner of record from selling at a fair market value.

Title Insurance will give you the peace of mind of knowing that you are the sole owner of your home – title insurance can protect you against costly litigation should an undisclosed defect surface such as forgeries, tax liens, incomplete probate, outstanding judgements or errors in public records to name a few — remember, defects are not always obvious.

Title companies perform an extensive search and examination of historical records, which are obtained from court records, property and name indexes to verity the seller’s right to transfer ownership. The purpose of all this research is to discover claims, defects and/or other rights or “clouds” against the chain of title.

If a claim is ever filed against your property, title insurance will, in accordance with the terms of your policy, assure you of legal defense and pay all court costs and related fees. If the claim is found to be valid, you will be reimbursed for your actual loss up to the face amount of the policy. The insurance premium for an owner’s policy is collected only once and your coverage will remain consistent for as long as you or your heirs retain an interest in your property.