Frequently Asked Questions

Why do I need Title Insurance?

Do I have to purchase Title Insurance?

What is the difference between owners and lenders policy?

How do I choose a title company?

How is the title company involved in my transaction?


Why do I need Title Insurance?

Because people are involved in recording deed transfers and plotting land parcels, there are opportunities for mistakes to be made. Title searches help uncover those errors before a piece of property changes hands. Title insurance protects the involved parties against defects and human error related to the property title.

Deeds establish the chain-of-title, or history of the current ownership and who has previously owned the property. The title search looks to discover if those chains are broken, or if everything appears to be in order.

In addition, title searchers also look for proof that any encumbrances –such as the previous mortgage or any liens on the property -- are paid off, and they look for easements (permission that has been given to use the land by someone who is not the owner), rights-of-way, CCR’s (Covenants, Conditions and Restrictions),and any other elements affecting title to the property.

When the title search is complete, title insurance protects the buyer and the lender by insuring clear title to the property.

For Sale By Owner

Are you looking to sell your property? Read more about how we can help you!

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Division of Insurance

Read more about the changes that were made in Regulation 3-5-1

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FAQs and Answers

Our experienced staff has all of the answers to your most frequently asked questions

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