Title Insurance for Your Peace of Mind

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Buying a home may be the largest investment you make in your life. So before you commit to the transaction, you must be sure that the "title" of the property is free of other claims.

A title insurance company ensures that your new home won't surprise you with encumbrances and other legal obstacles.

You pay the title insurance company a single premium which includes the cost of verifying clear title and covers you in case some fault is later discovered in the title.

The title company performs an extensive search on the property's title history. The title insurance company can almost always find any title problems and have these problems cleared-up before you close on the property.

Because Real Estate Law is so complex, you need an expert to make sure that all previous transactions have been correct, so you don't end up with legal problems or a problem with the title to your property. Your owner's policy will describe the property and outline any recorded limitations on your ownership. It will also cover what the title insurance company is responsible for. Title insurance covers the following:

  • Contested title — Someone, usually a previous owner or occupant, claims they still own the property or have not given up their claim. In this case, the title insurance company will defend the title at no expense to you.
  • Defective title — This is a general term for a legal problem with the title that cannot be corrected and includes "contested title" above. Defects are rare, but they can be very difficult, making the property inaccessible, unbuildable, or unsaleable. Many other complicated problems define "Defective title" or "Clouded Title." The title company will discover these problems, or should they miss them, insure your loss up to the amount of the policy.

First Southeast Mortgage Corporation can answer questions about title insurance and many others. Give us a call at 954.920.9799.

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