Services

Title Insurance

What is Title Insurance?
Title insurance protects the legal ownership of a purchased property. Before you purchase a property, it may have gone through several ownership changes. Title insurance coverage is designed to insure that the chain of ownership to the property is valid and free of defects.

Types of Coverage
Generally there are two types of Owner’s Title Insurance Policies available: Standard and Enhanced. Unlike other forms of insurance, traditional title insurance protects against events that have happened in the past. With an Enhanced Homeowner Policy you are also covered for certain future events and the amount of coverage will increase over the first five years of ownership!

Standard Owner’s Policy Vs. Enhanced Owner’s Policy
An “Enhanced Homeowner’s Policy, if selected, will increase the premiums by 10%.

Coverage Item	Standard Policy	Enhanced Homeowner Policy
False impersonation of the true owner of the property
Forged deeds, releases or wills
Instruments executed under invalid or expired power of attorney
Mistakes in recording legal documents
Misinterpretation of wills
Deeds by minors
Deeds by persons supposedly single, but in fact married
Liens for unpaid estate, inheritance, income or gift taxes
Fraud
Post Policy Forgery Protection
Enhanced Access Coverage
Building Permit Violations
Subdivision Map Act Coverage
Restrictive Covenant Violations
Mineral Extraction Coverage
Map Inconsistencies Coverage
Coverage Extended to Living Trusts
Enhanced Encroachment Coverage
Automatic Inflation Protection (up to 150%)