Why Title Insurance? Title insurance, unlike other insurances, covers the past rather than the future. It provides coverage from the date the property was deeded from the government, up to the present (the effective date on the insurance policy). It insures that any recorded documents still having an affect on a particular property have been disclosed. Prior to your real estate transaction closing, we perform an extensive search of all recorded documents related to the property. These records are then examined by experienced title officers to determine their effect on the current status of ownership and a report is issued to you for review. This through examination generally allows any pending title problems to be identified and cleared prior to your purchase of the property. Even after the most careful research and examinations are completed some items that affect the property may go undetected. Protection against these undetected items is what you need title insurance for. With a home being one of the biggest investments we make it is only logical to protect that investment. Items covered by a standard policy: Lack of a right of access Deed not properly recorded Erroneous or inadequate legal descriptions Undisclosed easement or use restriction that is recorded Lack of competency, capacity or legal authority of a party Undisclosed prior mortgage or lien that is recorded Forgery and impersonation