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Title Insurance

We protect the titles of many mid-state homes and we are underwritten with Fidelity National Title Insurance and First American Title Insurance, two of our nation’s largest and strongest title insurance underwriters.

• Question: Why do I need an owner’s title policy?

Answer: An owner’s policy protects the purchaser against a loss that may occur from a fault in the ownership or interest of the property. Without owner’s title insurance, you may not be fully protected against errors in the public records, hidden defects not disclosed by the public records, or mistakes made during the examination of the title of your new property. Should one of these occasions arise, then you will be defended, free of charge, against all covered claims and paid up to the amount of the policy to settle valid claims.

• Question: Why does my lender require a lenders policy?

Answer: A lender’s policy protects the lender’s collateral against loss due to unknown title defects. This policy does not protect the purchaser.

Here a few examples of what title insurance protects against:

• False impersonation of the true owner of the property
• Forged deed, releases or wills, or instruments executed under an invalid power of attorney
• Undisclosed or missing heirs; mistakes in recording legal documents
• Deeds by minors
• Deeds by person supposedly single, but in fact married Fraud
• Liens for unpaid estate, inheritance, income or gift taxes