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Tips & Resources

7 Reasons Why Every Homebuyer Needs Owner’s Title Insurance

15 Jun, 2023
Buying a home is an exciting and emotional time for many people. To help you buy your home with more confidence, make sure you get owner’s title insurance. Here’s Why It’s So Important For You: Protects Your Largest Investment A home is probably the single largest investment you will make in your life. You insure everything else that’s valuable to you—your life, car, health, pets, etc., so why not your largest investment? For a one-time fee, owner’s title insurance protects your property rights for as long as you own your home. Reduces Your Risk If you’re buying a home, there are many hidden issues that may pop up only after you purchase your home. Getting an owner’s title insurance policy is the best way to protect yourself from unforeseen title discrepancies. Don’t think it will happen to you? Think again. Title claims can include: outstanding mortgages and judgments, or a lien against the property because the seller has not paid his taxes pending legal action against the property that could affect you an unknown heir of a previous owner who is claiming ownership of the property You Can’t Beat The Value Owner’s title insurance is a one-time fee that’s very low relative to the value it provides. It typically costs around 0.5% of the home’s purchase price. Covers Your Heirs As long as you or your heirs own your home, owner’s title insurance protects your property rights. Nothing Compares Homeowners insurance and warranties protect only the structure and belongings of your home. Getting owner’s title insurance ensures your property rights are protected. 8 in 10 Homebuyers Agree Each year, more than 80% of America’s homebuyers choose to get owner’s title insurance. Peace of Mind If you’re buying a home, owner’s title insurance lets you rest assured, knowing that you’re protected from inheriting possible debts or legal problems, once you’ve closed on your new home.

Tips for Ordering Title

15 Jun, 2023
Understanding what may be required when ordering a title insurance policy and preparing accordingly can help expedite the smooth closing of your transaction. When to Place Your Order When a title issue is found, additional time may be required to resolve concerns. Submit your request for title as early as possible to avoid delaying the closing. Prior Title Policy A discounted rate may be available if you provide your prior title insurance policy to the policy issuing office.* New or Existing Survey If an existing survey of the property is available, the expense of a having a new survey may be avoided. The policy-issuing office will review the survey and make a decision as to whether the existing survey is useful based on the type of transaction, property type, age and quality of the survey. Sales Contract If any element of the sales contract is difficult to read, supply supporting documentation in order to ensure the accuracy of the transaction details. If revisions or addendums to the original contract have been made, provide a copy of the documents to the closing agent. Contact Information To help improve communication between all parties, please provide the following: Real Estate Agent(s): Information for listing and selling agents, including: email address, cell phone, office phone, address, preferred method of communication and best time to contact in addition to assistant’s contact information, if applicable. Buyer(s) and Seller(s): Current address (not a P.O. Box) to receive documents, if necessary. Home phone, cell phone, email address, preferred method of communication and forwarding address with new contact information to reach the seller once the property has closed. Legal Counsel (if applicable): Name, firm, mailing address, email address and phone number. * Not available in all areas and subject to state-specific guidelines. Contact your closing office to determine availability.
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