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TITLE INSURANCE

WHY DO I NEED OWNERS TITLE INSURANCE?
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ECAUSE YOUR HOME IS YOUR BIGGEST INVESTMENT!



WHAT IS TITLE INSURANCE?

The decision to purchase a home is one of the most important financial decisions you will ever make.  You and your lender will want to be certain the property is indeed yours and that no one will have liens, claims, or any other involvement with your property.  Title insurance is a contractual obligation protecting against losses resulting from various types of defects that may exist in the title of a specific parcel of real property.  If someone challenges your property title because of alleged defects that were unknown to you at the time of purchase, but come to light at a future date, owner’s title insurance will protect you.  Home Site Title offers reliable purchasing information, insight into historic matters of importance related to your property, with the added security of a state licensed and regulated company.


WHY DO I NEED TITLE INSURANCE?

Unlike most material purchases, paying money for real estate and receiving a deed to property does not assure the buyer of a free and clear title.  According to real property laws, once the settlement is final, the buyer is financially responsible for any valid claims made against his or her property.  This means that any unsettled matters involving the property and past owners become the current owner’s problem.  For example, the property title may have been transferred by a minor or someone who was legally incompetent.  The possibilities are endless, but the truth is there are few things in life more important than protecting your home.  At Home Site Title, we can provide you with an Owner’s Title Insurance Policy so that you can rest easy knowing the investment in your home is protected for as long as you own the property.  We have the experience, financial strength, and personalized service you can depend on.