Owners Policy of title insurance is a contract that protects you against loss or damage due to title defects. The contract serves as a written guarantee that your underwriter will undertake, at its own expense, the defense of your title in all legal actions or proceedings alleging the title to be other than as insured.

A Loan Policy of title insurance is obtained when the property you purchase is pledged as a security for the loan. The lender requires an assurance that the title to the property is clear. However, without Owners Policy of title insurance the buyer is unprotected.

• Forgery and fraud
• Erroneous or inadequate legal descriptions
• Lack of right of access
• Undisclosed or missing heirs
• Mistakes in recording legal documents