Frequently asked Questions

What is Title insurance?

Title insurance is a safeguard against defects in title to real property. Real property is a legal term encompassing real estate and ownership interests in real estate. Title insurance differs in several respects from other types of insurance. Where most insurance is a contract where the insurer indemnifies or guarantees another party against a possible specific type of loss (such as an accident or death) at a future date. Title insurance detects, prevents, and eliminates risks and losses caused by title problems which may have occurred in the chain of title.

What is meant by "Chain of Title"?

A chain of title is the sequence of historical transfers of title to a property. The "chain" runs from the present owner back to the original owner of the property.

Meaning of Owner's Policy?

The Owner's Policy insures a purchaser that the title to the property is free from defects (liens and encumbrances), except those which are listed as exceptions in the policy.

Meaning of Lender's Policy

The Lender's Policy is separate from the Owner's Policy. This type of policy insures the validity and enforceability of the lien of the lender's mortgage or deed of trust. The Lender's Policy insures the lender for the amount of money borrowed against the property.

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