WHY TITLE INSURANCE

Your lender is going to require you to provide them with a lender’s policy of title insurance to assure them that they will get paid regardless of whether any defects in title arise while you owe them any money. They want to know that it will not cost them money to defend their lien position and that they have solid security for the repayment of their loan to you. But that policy does not offer you, the Owner, any protection or peace of mind that you too won’t have any expenses in the future to defend your title against title problems from the past that surface after you buy your home.

Here are just a sample of the type of claims that an Owner’s Policy of Title Insurance will protect you against:

Documents executed under false, revoked or expired powers of attorney

False impersonation of the true land owner.

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 acknowledgements due to improper or expired notarization.

Gaps in the chain of title.

Mistakes and omissions resulting in improper abstracting.

Forged deeds, mortgages, wills, releases of mortgages and other documents.

Deeds by minors.

Deeds which appear absolute, but which are held to be equitable mortgages.


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Conveyances by an heir, devisee or survivor of a joint estate who attempts to attain title by illgotten means.

Inadequate legal descriptions.

Conveyances by undisclosed divorced spouses.

Duress in execution of wills, deeds and instruments conveying or establishing title.

Issues involving delivery of conveyancing instruments.

Deeds and wills by persons lacking legal capacity.

State Estate taxes liens.

Errors in tax records.

Administration of estates and probate of wills of missing persons who are presumed deceased.

Forfeiture of real property due to criminal acts.

Issues concerning adoption of children.

Conveyances and proceedings affecting rights of military personnel protected by the Soldiers’ and Sailors’ Civil Relief Act.

False affidavits of death or heirship.

Federal Estate and gift tax liens.

Adverse possession.

Interests arising by deeds of fictitious parties.

Claims by creditors of decedent against property improperly conveyed by heirs and devisees.

Special tax assessments.


Even the best title examination can't protect you against defects and problems that don't appear among the public records.

The Owner's Title Insurance Policy will.
It will protect your financial investment in your home from these hidden problems.
And for a one-time premium, it gives you a lifetime of protection.