WHY ALL REAL ESTATE TITLES SHOULD BE INSURED

• A fire destroys only the house and improvements. The ground is left. A defective title may take away not only the house but the land on which it stands. Title insurance protects you against such loss.

• A deed or a mortgage may have been signed by a person under age.

• A deed or a mortgage may have been signed by an insane person or one otherwise not competent.

• A deed or a mortgage may have been made under a power of attorney after the death of the principal and could therefore, be void.

• A deed or a mortgage may have been made by a person other than the owner, but with the same mane as the owner.

• The testator of a will might have had a child born after the execution of a will, a fact that would entitle the child to claim his or her share of the property.

• A will may have been revoked by the testator after its execution.

• A conveyance by heir-at-law of a person supposed to have died without a valid will may be defeated by subsequent discovery and probate of a will.

• An heir or other person presumed dead may appear and recover the property or an interest therein.

• Each title insurance policy we write is paid up, in full, by the first premium

• If your title is ever defeated, title insurance reimburses you for the amount of your loss.

• By insuring the title you can eliminate delays and technicalities when passing your title on to someone else.

• Title insurance helps speed negotiations when you are ready to sell.

• Our insurance of a title means that you will have free defense in court, in addition to the payment of any loss you may sustain.

• Unless you have the title insured, you cannot be sure you will never suffer loss through title disputes after buying or lending on real estate.

• Claims constantly arise due to martial status and validity of divorces. Only title insurance protects against these claims of supposedly non-existent or divorced “wives” or “husbands”.

• Most lawyers, in giving an opinion on a title, protect their clients as well as themselves, by procuring title insurance.

• A judgement or levy upon which the title is dependent may be void or voidable on account of some defect in the proceedings.

• A deed or a mortgage in the chain of title may be a forgery.