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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	Why is the Terra Amata site in Nice, France famous?
A	Remains of 21 huts found in 1965 are thought to be the oldest known habitation from the Acheulian culture 400,000 years ago.
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Terrence Boykin, REALTOR®, real estate agent and broker for Washington DC, Montgomery County and Fairfax County, Maryland home listings, property and land for sale - NUMBER1EXPERT

Terrence Boykin
RE/MAX 2000 Realtors
11900 Parklawn Dr.
Rockville, MD 20852
202-256-6509
Fax: 202-355-7544
terrenceboykin@NUMBER1EXPERT.com

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