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Why Do I Need Title Insurance?

When you are purchasing your home, you want to make sure that there are no issues with the title of the property and that the seller really owns it. The title insurance policy protects your interest in the property.

Why do I need title insurance?

When you are purchasing your home, you want to make sure that there are no issues with the title of the property and that the seller really owns it. The title insurance policy protects your interest in the property.


What Is A Title Search?

As part of preparing for the closing, a title insurance professional will search the public records for any problems with the home's title. For example, a prior owner may have had minor construction on the property, leaving unpaid contractors’ bills, unpaid HOA assessments and unpaid property taxes from prior years. The title professional will resolve these issues prior to the closing, so you can receive clear title to the property .


WHAT IS OWNER TITLE POLICY?

Owner Title Policy is issued in a Sale/Purchase transaction in order to protect the Buyer’s (in other words, the new Owner’s) interest in the property. It shows the new owner as the insured party and is usually issued in the amount of the purchasing price. Although most title issues are found (and resolved) in the title search exam, some defects may remain hidden, such as errors on prior deeds, identity theft, forgeries, etc. This is why you need an Owners Title Policy to protect your interests in the property. The policy Premium is a one-time fee paid at closing, and it is a small price to pay to insure your large investment.


What Is A Loan Title Policy?

Owner Title Policy is issued in a Sale/Purchase transaction in order to protect the Buyer’s (in other words, the new Owner’s) interest in the property. It shows the new owner as the insured party and is usually issued in the amount of the purchasing price. Although most title issues are found (and resolved) in the title search exam, some defects may remain hidden, such as errors on prior deeds, identity theft, forgeries, etc. This is why you need an Owners Title Policy to protect your interests in the property. The policy Premium is a one-time fee paid at closing, and it is a small price to pay to insure your large investment.


What Happens If I Cannot Attend The Closing In Person?

It is not a problem, Metro Title Group has extensive experience with Sellers and Buyers who at the day of closing were in another state, or in another country. We can arrange to have documents sent over night to your location, and guide you through the signing and notarization process. Just let us know in advance so we can offer the best solution for your situation.


If I Am The Only Person On The Title, Does My Spouse Need To Sign Any Documents At Closing?

It depends. A married person can purchase and sell property individually, if the property in question is NOT their principal residence. However in the case of primary residence, the spouse MUST sign certain documents when refinancing or selling the property, even if he or she were not on title.