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Best Title Insurance

Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella...

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Reviewed byDaniel Walker
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UPDATED: Mar 19, 2020

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If you are planning to purchase real estate then you have probably already heard someone suggest that you buy title insurance.

Before you buy title insurance, naturally, you want to know why this policy is needed and what it covers. In simple terms, you need title insurance to protect your real estate investment against various title claims and property disputes.

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Nothing is “cut and dry” in insurance or in real estate. Owning real estate property comes with many laws, responsibilities and rules that you must adhere to. If the owner of a piece of property has family or heirs that have rights to the property, you must respect the request by law.

The Best Title Insurance Protects You from Property Claims

Those who have a lien on the property also have rights, and some of these lien holders may include the IRS or other government institutions. With just one simple error in the chain of buyer to seller, you may end up purchasing a piece of land that doesn’t belong to you or the seller. If the property has rights or claims on it, these situations must be dealt with.

This is where title insurance comes in. This insurance coverage protects you financially from title defects. Without this policy, you could literally lose everything and gain nothing because of legal technicalities. You may now be wondering why you can’t just search public records and find out about any claims beforehand. This is a smart move and a point from which you can begin your search.

Should You Go for the Best Title Insurance or Just a Title Search?

Ordering a title search and “digging” through the past can help unearth any previous liens, unpaid taxes, mortgages or court actions that you may not have known about. The seller could be hiding something or could be totally unaware of these issues himself. Once you find all this information, you can resolve any matters that need attended to before the closing of the sale.

These steps are typically done for you by the insurance company. They tack on this fee for insurance and set you up with a title insurance company they trust. However, you are not legally required to accept the seller or lender’s recommendation. You can actually find your own title insurance company and perhaps find a discount in the process.

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You may be wondering, if you do the research yourself, shouldn’t you be able to discard title insurance? No! There may still be many hidden risks, even if you research the house in advance. When it comes to real estate, hidden risks are not necessarily a part of public record.

For example, what if there was a prior forgery or an impersonation which lead to an illegal sale? Something as simple as an incompetency in filing could result in a recorded error. On the other hand, what if someone new came forward with a claim against you? Public record doesn’t mean anything if new evidence is brought to light.

The Best Title Insurance Makes the Process Easy

The title insurance company makes the process simple for you. The insurance company defends your title and claim, and they bear the brunt of any fees associated with legal problems that could arise. In other words, they make sure that you do not lose possession of the real estate property you paid for and thus deserve! Just imagine the battle that would ensue if someone came forward with a will showing they were entitled to your newly purchased land!

Or perhaps a deal was made under power of attorney that was either a scam or was expired. There is no end to the amount of legal issues that can arise when it comes to money and land. Having the peace of mind that comes with title insurance is priceless. Such a policy pays for any losses you report as well as attorney’s fees in defending your transaction. Title insurance is usually a small price to pay when you look at the large investment you are making in this new property.

The cost of title insurance will vary. The value of your real estate property has to be taken into account as well as the local area. The best place to start searching for title insurance is by going online and asking for some basic price quotes. If you are refinancing, you can ask about reissue rates. If you are trying to find the best title insurance price right now, then our web chaser tool can help you.

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