Title Insurance Protects Your Home Investment

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Buying a home may be the largest investment you make in your lifetime. So before you close, you need to be sure that that nobody else has a claim to the property.

A title insurance company ensures that your new property doesn't carry encumbrances and other legal obstacles.

You pay the title 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 insurance company searches the property's title history. Through its research, the title insurance company can almost always find any title problems that may arise and clear up these problems prior to closing.

Real Estate law is extraordinarily complex. Title companies make sure that all the T's are crossed and all the I's are dotted so you don't end up with a clouded title and legal problems. Your title insurance 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 usually covers:

  • 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 company will defend your 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 complex problems define "Defective title" or "Clouded Title." The title insurance company will discover these problems, or should they miss them, protect you from financial loss - up to the amount of the policy.

First Southeast Mortgage Corporation can walk you through the pitfalls of getting a mortgage. Give us a call: 954.920.9799.

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