Title Insurance
Protect yourself from financial loss, legal errors, disputes and expenses. Prevent and minimise risks of fraud, forgery, liens and encumbrances. Get title insurance before a property transfer – you need security against unforeseen claims that could affect property ownership.
What Does Title Insurance Cover?
A one-time payment at the time of purchase provides lifelong protection against these risks:
- Errors in public records
- Fraud and forgery
- Undisclosed heirs
- Unpaid debts or liens
- Conflicting wills
- Missing documentation
- Boundary disputes
Protect your investment before it’s too late!
8 Reasons to Obtain Title Insurance
If you do not get title insurance before the property transfer is complete, you could face claims from past owners or unpaid debts tied to the property. Errors in public records can create legal battles that cost time and money. Title insurance protects your investment. With it, your ownership is legally sound and free from hidden issues.
1. Ownership Disputes: You don’t want to buy a property only to find out someone else has a claim to it. Title insurance protects you from past ownership disputes, unknown heirs, and fraudulent deeds that could put your purchase at risk.
2. Hidden Liens and Unpaid Debts: The last thing you need is to inherit someone else’s financial problems. Title insurance shields you from unpaid taxes, contractor liens, or undisclosed mortgages that could cost you thousands.
3. Errors in Public Records: Mistakes happen—misspelled names, incorrect legal descriptions, or misfiled paperwork can cause major headaches. With title insurance, you’re covered against costly clerical errors that could affect your ownership rights.
4. Fraud and Forgery Risks: Scammers can forge signatures, fake property transfers, or steal identities to manipulate deeds. Title insurance helps you fight back against fraudulent claims that could threaten your property rights.
5. Lender Requirements and Loan Protection: If you’re financing the purchase, your lender will likely require title insurance.
6. Expensive Legal Battles: Without title insurance, you could end up in a costly court fight to defend your ownership. A title policy covers legal fees and prevents drawn-out disputes that could drain your savings.
7. Survey and Boundary Issue: If there’s a conflict over property lines, encroachments, or easements, title insurance stems from costly disputes with neighbours or unexpected zoning problems.
8. Future Resale Roadblocks: When it’s time to sell, a clean title speeds up the process and keeps buyers from walking away. Title insurance guarantees there are no lingering issues that could delay or derail your sale.
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Title Insurance FAQs
What Is Title Insurance?
Title insurance is a policy that protects property owners and lenders from financial loss due to issues with a property’s ownership history. It covers problems that could arise from errors in public records, hidden claims, fraud, or legal disputes over ownership rights.
What Is the Purpose of Title Insurance?
The purpose of title insurance is to provide security against unforeseen claims that could affect property ownership. It guarantees that the buyer receives a property with a valid and undisputed title. If a past issue surfaces after the transfer, the insurance covers financial losses and legal costs.
What Does Title Insurance Cover?
The purpose of title insurance is to provide security against unforeseen claims that could affect property ownership. It guarantees that the buyer receives a property with a valid and undisputed title. If a past issue surfaces after the transfer, the insurance covers financial losses and legal costs. Title insurance covers various risks related to property ownership, including:
- Boundary disputes – Claims that challenge property lines or legal access.
- Errors in public records – Mistakes in past ownership documents that could affect legal rights.
- Fraud and forgery – Fake signatures, fraudulent property transfers, or identity theft.
- Undisclosed heirs – Relatives of previous owners claiming rights to the property.
- Unpaid debts or liens – Outstanding mortgages, taxes, or contractor fees tied to the property.
- Conflicting wills or missing documentation – Disputes over inheritance or lost legal records.
