Buying a House

What Is Title Insurance?

Like other forms of insurance, Title Insurance is a contract to indemnify against actual loss.

Title Insurance concerns risk elimination – all defects are cured prior to policy issuance. 


The Title Insurance Policy meets requirements to “clean up” the title prior to the property settlement.

Title Insurance is defined as “Insurance of owners of property or persons that have an interest in the property against loss or encumbrance, defective title, invalidity of title, or adverse claim to title.” 


Title Premiums are a one-time charge paid at settlement.

Title Search

The Title Search begins with determining the current owner and working backward to establish a “chain of title” identifying every link in the chain back 60 years. 

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