What is title insurance, and is it required?

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The policy of title insurance is issued after all required documents have been recorded in the county courthouse. The policy guarantees the new owner that all .

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Title insurance companies rarely pay out. That’s because real estate transactions, liens, easements, etc. are public records, and today’s technology makes them fairly easy to access. Most homes come with good titles that provide their owners with all rights and protections they expect.

Title insurance policies are sold by licensed title insurance agencies. The title agencies must perform a title search and examina- tion required by state law.

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Real Estate title insurance is a type of insurance that covers financial loss from defects in title to real property and from the invalidity of mortgage liens. A title policy is put in place to protect an owner’s or lender’s financial interest in a property against loss due to title defects, liens or other matters.

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Title Insurance – investment; however, title insurance can be just as crucial. title insurance financially protects you and your. will probably require you to buy a lender's policy to.

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Title Insurance If you borrow money to buy a home or property, a lending institution will probably make you buy a title insurance policy to protect its interest. As a consumer, it’s in your best interest to be well-informed about title insurance, how it works, and what to look for in title insurance.

–Title insurance protects against events that may have happened in the past, while other insurances protect from future events. –With title insurance, there is only a one-time insurance premium paid at the loan closing, while other insurance types typically require on-going premiums.

Title insurance is an important-and sometimes misunderstood-aspect of real estate transactions. Even if the parties to a deed do not plan to purchase title insurance, it is important that the deed meet title insurance requirements.. Many people assume that if a deed is valid under state law and meets all recording requirements, there is nothing to worry about.