Lenders

Many homeowners choose to install smoke alarms, deadbolt locks, and home security systems as important lines of defense to ensure their peace of mind. An Owner’s Policy of Title Insurance is also an option homeowners choose to provide an added layer of security and protection. The home or property may be new to your client, but every property has a history. There may be hidden issues in the chain of title undetectable by the title attorney, which could affect ownership, such as:

• Errors in Public Records
• Unknown Liens
• Illegal Deeds
• Missing heirs
• Forgeries
• Undiscovered Encumbrances
• Unknown Easements
• Boundary/Survey Disputes
• Undiscovered Will
• False Impersonation of Previous Owner

An Owner’s Policy of Title Insurance protects your client’s investment for as long as he or his heirs have an interest in the property. Additionally, the title insurance company will, at its own expense, defend the title and will pay losses within the coverage of the policy if they occur. Unlike other insurance models, where premiums are paid on an ongoing basis, title insurance is a one-time premium paid at the closing of the transaction.  Encourage your clients to thoroughly research their options, reduce their risks and make informed decisions about the products and services offering the best protection. The peace of mind they’ll have from knowing their home and family are protected is well worth the investment.