Five Things to Understand about Title Insurance
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It protects your ownership right to your home both from fraudulent claims against your ownership and from mistakes made in earlier sales, such a mistake in the spelling of a person’s name or an inaccurate description of the property.
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It’s a one-time cost usually based on the price of the property.
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It’s usually paid for by the sellers.
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There are both lender title policies, which protect the lender, and owner title policies, which protect you. The lender will probably require a lender policy.
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Discounts on premiums are sometimes available if the home has been bought within only a few years since not as much work is required to check the title. Ask the title company if this discount is available.
Reprinted from REALTOR® Magazine Online by permission of the NATIONAL ASSOCIATION OF REALTORS®. Copyright / All rights reserved.
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