Introduction To Title Insurance

Title Insurance is a policy that provides against serious financial loss due to a defect in the title of a property.

Title insurance covers both claims arising out of the title problems that should have been discovered in the public records and those hidden defects that could not be discovered in the records.  Those hidden defects could include forgeries, fraud, errors in public records and missing heirs.  Title insurance differs significantly from other forms of insurance in that covers events of the past, not of the future.  See also “Owners Title Policy” and “Mortgagee (Lender’s) Title Policy”.