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Titles >Do You Really Need Title Insurance

When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property.

It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises.

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Q	Where is the world's largest bridge located?
A	Lake Pontchartrain Causeway at New Orleans, Louisiana is the world's largest bridge. It is almost 24 miles long.
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Lynn Murphy Dickerscheid's LMD Home Team, REALTOR�, real estate agents and broker for Cincinnati, Fairfield and West Chester, Ohio home listings, property and land for sale - NUMBER1EXPERT(tm)

Lynn Murphy Dickerscheid's LMD Home Team
RE/MAX Elite
5720 Gateway Blvd. Suite 204
Mason, OH. 45040
Phone: 513-885-1673
Fax: 513-297-5068
Email: lynnmurphydickerscheid@NUMBER1EXPERT.com

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