Title Insurance for Your Peace of Mind

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The biggest investment you will make in your lifetime will likely be the purchase of a home. Before you close, you will want to know that no other individual or entity has a lien or claim to the property.

A title insurance company ensures that your new home doesn't carry expensive 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 title history of the property. The title insurance company can almost always find any title problems that may arise and clear up these problems 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 company is responsible for. Typically your title insurance will protect you in the following cases:

  • Contested title — Someone, usually a previous owner or occupant, claims they still own the property or have not given up their claim. If this happens, the title company will defend your title and will cost you nothing.
  • Defective title — "Defective title" covers any number of problems with the title to your home. It can even include a "contested title". Defects are rare, but they can be very difficult, making the property inaccessible, unbuildable, or unsaleable. Any number of other complex problems define "Defective title." The title company will uncover these title 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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