top of page

What does title insurance protect me from?

There are few things in life more important than protecting your home.

The following matters are examples of why you need title insurance. Remember that the best title examination or search cannot protect your equity and home from matters not appearing in the public records. However, title insurance – subject to certain limitations set forth in your policy – can protect you from:

  • Documents executed under false, revoked or expired powers of attorney

  • False impersonation of the true land owner

  • Undisclosed heirs

  • Improperly recorded legal documents

  • Failure to include necessary parties to certain judicial proceedings

  • Defective acknowledgments due to improper or expired notarization

  • Corporate franchise taxes as liens on corporate real estate assets

  • Gaps in the chain of title

  • Mistakes and omissions resulting in improper abstracting

  • Improper modification of documents

  • Rights of divorced parties

  • Conveyances in violation of public policy

  • Misinterpretation of wills and ancillary instruments

  • Deeds by persons falsely representing their marital status

  • Claims by creditors of decedent against property improperly conveyed by heirs and devisees

  • Issues concerning unlawful takings by eminent domain or condemnation

  • Special tax assessments

  • Real estate homestead exceptions

  • Forfeitures of real property due to criminal acts

  • Forged deeds, mortgages, wills, releases of mortgages and other instruments

  • Deeds by minors

  • Deeds which appear absolute, but which are held to be equitable mortgages

  • Conveyances by an heir, devisee or survivor of a joint estate who attempts to attain title by ill-gotten means


bottom of page