Of Course! Title insurance protects property buyers and mortgage lenders against defects or problems with title when there is a transfer of property ownership in the event that problems develop regarding the rights to ownership of your property. There may be hidden title defects that even the most careful title search will not reveal. In addition to protection from financial loss, title insurance pays the cost of defending against any claim covered within the owner’s policy.

Not necessarily. There are two types of Title Insurance, Lenders and Owners. Most lenders will likely require that you purchase a Lender’s Policy. The Lender’s policy only ensures that the financial institution has a valid, enforceable lien on the property. Most lenders require this type of insurance and typically require the borrower to pay for it.

An Owner’s Policy, on the other hand, is designed to protect you from title defects that existed prior to the issue date of your policy. Title troubles, such as improper estate proceedings or pending legal action, could put your equity at serious risk. If a valid claim is filed, in addition to financial loss up to the face amount of the policy, your owner’s title policy covers the full cost of any legal defense of your title.

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Espinosa Title is here to help you buy your starter home, or investment property. We will talk you through every aspect of the process and address any questions you may have.

Title Insurance

Title insurance protects property buyers and mortgage lenders against defects or problems with title when there is a transfer of property ownership.

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