Why Title Insurance?

Title insurance is issued after carefully examining the public records. However, even the most thorough title search cannot assure with absolute certainty that no title faults are present. In addition to any issues noted in public records, there may be title problems that cannot be disclosed in a title search. Title insurance eliminates losses and risks caused by faults in title that stem from an event that occurred before you purchased the property.

Title insurance is unique in that it protects you, the insured, from a loss that may occur from faults from the past. Other types of insurance such as auto, life, or health cover you against losses that may occur in the future. Title insurance does not protect against any future faults, but does protect you from risks or undiscovered interests. Another difference is that you pay a one-time premium for a policy that remains effective until the property is sold to a new owner - even if that doesn't occur for decades.