Your home is the single most important and costly asset you will ever own. Problems with the title to your property can limit your use and enjoyment of real estate, as well as bring financial loss. Protection against hazards of title is available through a unique coverage known as title insurance. Unlike other kinds of insurance that focus on possible future event and charge an annual premium, title insurance is a one time payment and is a safeguard against loss arising from flaws and defects already existing in the title.

    Title insuring begins with a search of the public land records for matters affecting the title to real estate concerned. The search process provides warnings of title flaws that must be dealt with before the property can change hands. Here are some examples of typical flaws:

    Once title professionals find these title issues, they then work to remedy any problems that could keep you from having "clear" title.

    The best title search, performed by the most experienced and capable experts, cannot ensure that no title defect exist. Some problems just aren't revealed in public records. Your Owner's Title Insurance Policy protects your interest in the property against such unforeseen hazards as: