The purchase of a home is probably the single largest investment you’ll make in your lifetime. It is only prudent that you want to safeguard your rights and investment. Title insurance assures that your rights and interests to the property are as expected, that the transfer of ownership is smoothly completed, and that you receive protection from future claims against the property. It is the most effective, most accepted, and least expensive way to protect your ownership rights.

Because land endures over generations, many people may develop rights and claims to a particular property. The current owner’s rights – which often involve family and heirs -may be obscure. There may be other parties such as government agencies, public utilities, lenders, or private contractors) who also have “rights” to the property. These interests limit the “title” of any buyer. Before your real estate transaction closes, the title company performs an extensive search of all recorded documents related to the property.

These records are then examined by experienced title officers to determine their effect on the current status of ownership and a report is issued to you or your agents for review. This thorough examination generally allows any pending title problems to be identified and cleared prior to your purchase of the property.