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What is Title Insurance


What is Title Insurance, and what does it mean to you? 
Fire Insurance protects you against losses from fire. Collision Insurance guards you against the cost of a damaged car. Theft Insurance... well, Title Insurance protects your title to real estate which you are about to acquire.

To understand why title protection is essential, we need to consider real estate for a moment.

Your Ownership of Real Estate

Real estate has always been considered man's most valuable possession. Many special laws have been enacted to protect ownership of land and the buildings which stand upon it.

One should realize that whenever property is purchased, the owner has extremely strong rights, as do the owner's family and heirs. There may also be others in addition to the owner who have rights in the property in question, such as governmental bodies or contractors.

A title search may uncover unpaid taxes or mortgages, judgements against previous owners, easements, or other court actions or recorded documents which can affect title to real estate.

Protecting You Against Hidden Risks

Protection against loss from claims on real estate which cannot be discovered by examination of the public records is the second part of the two-fold benefit which Unified Title provides. The title to the home which one has paid for, and to which one has received a deed, could be threatened or lost by such circumstances as a forgery, confusion due to similar names, or simply an error in the records. These contingencies will be covered in your policy of title insurance.

How Does a Title Insurance Policy Protect Against These Dangers?

If a claim is made against your title, as covered by your policy, Unified Title protects you by: 

Defending your title, in court if necessary, at our expense. 
Bearing the cost of settling the claim if it proves valid, in order to perfect your title and keep YOU in possession of your property. 


In Summary
Title Insurance provides assurance that every possible cloud or defect on the title to the property you are buying and which can be discovered from the public records, has been called to your attention so that such defects can be corrected before you buy.

Title Insurance is insurance that, should any undisclosed claim which is covered by your policy arise to threaten your ownership of real estate, it will be disposed of, or you will be reimbursed, exactly as your title insurance policy provides.

You Pay Only Once

Unlike other forms of insurance, the original premium paid is your ONLY cost, as long as you own the property. There are no annual payments to keep your Owners Title Insurance Policy in force.