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What is Title Insurance, Relax We Got You

Why is title insurance necessary? Have you ever wondered why title insurance is necessary? The primary purpose of title insurance is to protect what could possibly be the most important investment you’ll ever make - the investment in your real estate property. With a title insurance policy, you as the owner,

What protection does title insurance offer? Here are just a few of the most common hidden risks that can cause a loss of title or create an encumbrance on title:

• False impersonation of the true owner of the property

• Forged deed, releases or wills, instruments executed under invalid or expired power of attorney;

• Undisclosed or missing heirs; mistakes in recording legal documents

• Misinterpretations of wills

• Deeds by persons of unsound mind

• Deeds by minors

• Deeds by persons supposedly single, but in fact married

• Fraud • Liens for unpaid estate, inheritance, income or gift taxes

What protection does title insurance provide against defects and hidden risks?

Title insurance will pay for defending against any lawsuit attacking your title as insured, and will either clear up title problems or pay the losses of the insured party. For a one-time premium, an owner’s title insurance policy remains in effect as long as you, or your heirs, retain an interest in the property.

What this means to you Title insurance offers you the peace of mind in knowing that the investment you’ve made in your home is a safe one. Have an indemnity contract that will reimburse you for loss in the event someone asserts a claim against your property that is covered by the policy.

How can there be a title defect if the title has been searched?

Title insurance is issued after a careful examination of copies of the public records. But even the most thorough search cannot absolutely assure that no title hazards are present, despite the knowledge and experience of professional title examiners. In addition to matters shown by public records, other title problems may exist that cannot be disclosed in a search. Most importantly, always select a company with the financial strength and longevity to insure your important investment. Always insist on Fidelity National Title for your title & escrow needs.

This information is presented for reference only and is deemed reliable but is not guaranteed. Copyright © 2013 Fidelity National Title.

Thanks to Tom Chapman, for this information!

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