WHY ALL REAL ESTATE TITLES SHOULD BE INSURED
• Each title insurance policy we write is paid up, in full, by • A fire destroys only the house and improvements. The
the first premium ground is left. A defective title may take away not only the
house but the land on which it stands. Title insurance
• If your title is ever defeated, title insurance reimburses protects you against such loss.
you for the amount of your loss.
• A deed or a mortgage may have been signed by a person
• By insuring the title you can eliminate delays and under age.
technicalities when passing your title on to someone
else. • A deed or a mortgage may have been signed by an insane
person or one otherwise not competent.
• Title insurance helps speed negotiations when you are
ready to sell. • A deed or a mortgage may have been made under a
power of attorney after the death of the principal and could
• Our insurance of a title means that you will have free therefore, be void.
defense in court, in addition to the payment of any loss
you may sustain. • A deed or a mortgage may have been made by a person
other than the owner, but with the same mane as the
• Unless you have the title insured, you cannot be sure owner.
you will never suffer loss through title disputes after
buying or lending on real estate. • The testator of a will might have had a child born after the
execution of a will, a fact that would entitle the child to
• Claims constantly arise due to martial status and validity claim his or her share of the property.
of divorces. Only title insurance protects against these
claims of supposedly non-existent or divorced “wives” or • A will may have been revoked by the testator after its
• Most lawyers, in giving an opinion on a title, protect their • A conveyance by heir-at-law of a person supposed to have
clients as well as themselves, by procuring title died without a valid will may be defeated by subsequent
insurance. discovery and probate of a will.
• A judgement or levy upon which the title is dependent • An heir or other person presumed dead may appear and
may be void or voidable on account of some defect in recover the property or an interest therein.
• A deed or a mortgage in the chain of title may be a