Introduction to title insurance

Title insurance is a little bit different compared to other insurances out there. While most insurances protect you from future events, title insurance actually protects you from previous events.

You also only need to pay one premium for a lifetime of coverage. Title insurance protects the title and you from problems that might arise due to title defects.

Common types of title defects

Here are a few things we can provide to homebuyers for assistance:

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The lender should have title insurance but only needs coverage for the amount of the loan. The homeowner needs insurance for the purchase price of the home. Discuss insurance with your attorney to find out if you need additional services within this. Also be sure to read the full policy to find out what restrictions may apply, just like you would any insurance policy.
title services

• Lender’s Policies
• Owner’s Policies
• Leasehold Policies
• Condominium And Co-Op Policies
• Survey And Inspection Services
• Title Searches
• Loan Document Preparation
• Closing And Escrow Services
• Recording Services

due diligence services

• Procurement of Municipality Letters Regarding Zoning And Compliance
• Procurement Of Zoning Reports
• Multi-Jurisdictional Lien And Litigation Searches
• Entity Formation And Qualifications
• National Recordings And Filing Services

foreclosure services

• Mortgage Foreclosure Searches
• Tax Lien Foreclosure Searches
• Mechanics’ Lien Foreclosure Searches
• Mortgage Foreclosure Certificates

additional searches

• Covenant Restriction And Easement Searches
• Full Or Short Period Title Searches
• Historical Searches
• Judgment And Lien Searches
• Municipal Searches
• Mortgage Searches
• Real Estate Tax Searches
• Partition Searches
• Surrogate's Court Searches UCC Searches

Additional Certificates

• Abandonment Certificates
• Business Certificates
• Condemnation Certificates
• Tax Redemption Certificates
• Zoning Lot Certificates

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