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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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Lisa Murray - ABR, GRI, CRS
RE/MAX Sun Properties
16704 E. Ave. of the Fountains, #101
Fountain Hills, AZ 85268
Phone: 602-400-0250
Fax: 480-718-8291
Toll Free: 888-311-4833
Email: Lisa@ISellFountainHillsAZ.com

I am a full time residential real estate specialist. I work with both buyers and sellers in Fountain Hills and surrounding communities. My goal is to provide you with the highst quality service that will "Exceed Your Expectations".

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