A Title order begins with an in-depth search of public records for the property’s ownership status and ownership issues that might be attached to the title of the property.

A Title search uncovers possible title issues like liens, judgments and information on prior loans, city assessments taxes, and other issues. There may be other parties such as government agencies, lenders, or private contractors who also have rights to the property in the form of outstanding claims.

Some risks though, such as filing errors, forgeries, or undisclosed heirs, are difficult to identify. Title searches are not infallible and you could remain at risk of financial loss. That’s when you need additional protection in the form of an Owner’s Title Insurance Policy.

An Owner’s Policy of Title Insurance insures your ownership rights to the property. It defends buyers from future property ownership claims, surprise liens, and other potentially costly complications with property titles.

When you buy a property and take out a mortgage loan, your Lender will require it as well. It protects the Lender’s interest in your property until your loan is paid off or refinanced.