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Frequency Asked Questions

1. What is a title?

A title is the document that certifies ownership of a piece of property. It is evidence that the owner has the right to possess and use the property.

2. What is title insurance?

Title insurance is an indemnity contract between an insured owner or lender and a title insurance company. It protects owners and mortgage lenders from financial losses and legal expenses resulting from defects in the title to the covered property.

3. What does a title company do?

A title company’s job is to look for and resolve any potential problems (judgements, liens, etc.) in the property’s chain of title. At the closing, we coordinate with all parties involved, collect and disburse the funds, and transfer ownership of the property to the buyer. Once all this is done, we issue a title insurance policy for the buyer and the mortgage lender to protect their investments in the property.

4. How much does title insurance cost?

Title insurance costs vary depending on purchase price of the property. Generally title insurance will cost 1 percent of the purchase price. Unlike other insurance products that require monthly premium payments, title insurance only requires one payment, which is completed at the closing.

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