Title insurance protects its insured from financial loss caused by covered title risks. A premium is paid to the title insurance company for title examination and insurance title. The title insurer will defend against a defect in the title. The title insurer will indemnify you against the defined financial loss up to the policy limit. The one-time premium provides you with this valuable protection.

Before acquiring real estate, please call us. Ask how simple it is to insure yourself against title loss.

To give you an idea of the types of title problems that may occur, we have compiled the following list:

1. Documents executed under duress.
2. Defective acknowledgments.
3. Deeds by minors.
4. Inadequate legal descriptions.
5. Easements established through continued use 
but not discovered by a survey or in the public record.
6. Mistakes in recording legal documents.
7. Mistaken reports furnished from taxing authorities.
8. Misinterpretation of wills.
9. Deed of community property recited to be separate property.
10. Errors in tax records. (For example, listing payment against 
wrong property account.)
11. Birth or adoption of children after date of will.
12. Falsification of records.
13. Undisclosed or missing heirs.
14. Errors in indexing of legal documents by the County.
15. Surviving children omitted from the will.
16. Deeds to or from defunct corporations.
17. Marital rights of spouse allegedly, but not legally divorced.
18. Instruments executed under fabricated or expired powers of attorney.
19. Forged deeds, releases etc.
20. Deeds by persons supposedly single but secretly married.
21. Deeds from persons not competent to handle their affairs.

A title insurance policy is a contract between you and us insuring
you against loss in the event a title defect occurs resulting from a 
covered risk.