Title Insurance = Peace of Mind

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Purchasing a home is probably the single largest investment you will make in your lifetime. So before you sign on the dotted line, you must be sure that the "title" of the property is clear of any other claims.

A title insurance company ensures that your new property is free of expensive encumbrances and other legal obstacles.

For a modest, one-time title insurance premium, you will receive continuous title insurance protection equal to the purchase price of the property or its current market value.

The title company searches the title history of the property. The title company can almost always find any title problems and have these problems cleared-up before you close on the property.

Because Real Estate Law is so complex, you need an expert to make sure that all previous transactions have been correct, so you don't end up with legal problems or a problem with the title to your property. Your owner's policy will describe the property and outline the limitations on your ownership. It will also cover what the title company is responsible for. Title insurance covers the following:

  • Contested title — This usually happens when someone who owned or even lived in the home before you claims to still hold an interest. If this happens, the title insurance company will defend your title and will cost you nothing.
  • Defective title — "Defective title" covers any number of problems with the title to your home. It can even include a "contested title". Defects are rare, but they can be very difficult, making the property inaccessible, unbuildable, or unsaleable. Any number of other complex problems define "Defective title." The title company will find these title problems, or if they miss them, protect you from financial loss - up to the amount of the policy.

At Longhorn Mortgage, we answer questions about this process every day. Call us at 512-302-9410.

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