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We are dedicated to providing you with comprehensive and easy-to-understand information about title insurance, its importance, and how it can protect your property investment.

Our goal is to empower you with the knowledge you need to make informed decisions about your real estate transactions.

Whether you are a homebuyer, seller, or real estate professional, our website offers a wealth of resources and tools to help you navigate the world of title insurance with confidence.

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How long is a title policy good for?

Why do I have to obtain a survey?

What if I lose the deed to my property?

What is a probate of an estate?

What does joint tenants mean?

What is title insurance and why do I need it?

Title insurance is a form of insurance that protects property owners and lenders against potential financial losses or legal disputes related to the ownership of a property. It provides coverage for issues that may arise from defects in the property's title or ownership history.

When you purchase a property, its ownership is transferred to you. However, there is always a possibility of hidden or undiscovered problems with the property's title that could emerge later. These issues can include:

Errors or omissions in public records: Mistakes in public records, such as incorrect names, inaccurate descriptions, or improperly recorded documents, can cast doubt on the property's ownership.
Unknown liens or encumbrances: The property could have outstanding liens, mortgages, or other encumbrances that were not disclosed during the purchase process.
Fraud or forgery: Instances of fraud or forgery can arise, such as forged signatures on the property's documents, which can jeopardize your ownership rights.
Undisclosed heirs or missing heirs: In some cases, the property's ownership may be disputed due to undisclosed or missing heirs who could claim a stake in the property.

Title insurance safeguards against these and other potential issues by conducting a thorough title search and providing financial protection in case any problems arise. It typically covers the policyholder's legal fees and losses related to defending the title, as well as financial compensation if the policyholder's ownership rights are invalidated.

Title insurance is typically required by mortgage lenders as a condition for approving a loan. Lenders want to ensure that their investment in the property is protected and that no competing claims or issues could affect their collateral. While it is not mandatory for property owners to have their own title insurance policy, it is highly recommended to mitigate potential risks and protect your investment in the property.

What does it mean to delete exceptions 1-4?

Here are some examples of standard deletions that may be requested on a title policy:

1. Deletion of the "Survey Matters" exception: This exception typically states that the policy does not insure against issues that would be revealed by an accurate land survey. By deleting this exception, the insured party is provided coverage for survey-related matters.

2. Deletion of the "Zoning Matters" exception: This exception typically states that the policy does not insure against violations of zoning regulations or restrictions. By deleting this exception, the insured party is provided coverage for zoning-related issues.

3. Deletion of the "Mechanics' Liens" exception: This exception typically states that the policy does not insure against mechanics' liens or claims for unpaid construction work. By deleting this exception, the insured party is provided coverage for mechanics' liens.

4. Deletion of the "Rights of Parties in Possession" exception: This exception typically states that the policy does not insure against claims by parties in possession of the property. By deleting this exception, the insured party is provided coverage for claims related to parties in possession.

How long does it take to complete a title search?

The time it takes to complete a title search can vary depending on several factors, including the complexity of the property's history and the availability of online records in the county the property is located in. In general, a title search can be completed within a few days to a few weeks.

Typically, a title search involves examining public records, such as deeds, mortgages, and court records, to establish a clear chain of ownership and identify any encumbrances or liens on the property. The process may also involve verifying legal descriptions, survey records, and other relevant documents.

If you hire a professional title search company, they will have the experience and resources to conduct the search more efficiently. They may use online databases and other tools to streamline the process. However, if you choose to do the title search yourself, it may take longer as you navigate through various records and documents.

Additionally, the complexity of the property's history can impact the time required for a title search. If the property has changed hands multiple times or has complicated legal issues, it may take longer to gather all the necessary information and ensure a thorough search.

It's important to note that the title search is a crucial step in the real estate transaction process as it helps identify any potential issues or risks associated with the property. While it may take some time, it is a necessary part of ensuring a clean and marketable title.

What insurance companies do you represent?

Alliant National Title Insurance Company

First American Title Insurance Company

FNF Family of Companies

First National Title Insurance Company

Old Republic Title Insurance Company

Stewart

Westcor Land Title Insurance Company

WFG National Title Company