Title Insurance

Understanding Title Insurance

Title insurance is your safety net against potential losses caused by title defects, ensuring your real estate ownership experience is free from hidden risks.

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Our Title Insurance Policies

We offer two critical types of title insurance policies:

- Owner's Title Insurance: Protecting your ownership rights to the fullest, this insurance coverage is indispensable for property owners.

- Lender's Title Insurance (Loan Policy): Required by most mortgage providers, this policy shields lenders from potential losses related to title defects. Both these policies cover legal fees and claims associated with hidden title defects.

Title Insurance Coverage

Properties often change hands, and in the process, title problems and defects may emerge. While a thorough title search can identify and resolve some issues, there are hidden risks that can remain undiscovered. Our title insurance policies safeguard you from these unforeseen risks, which may only surface after the purchase of your real estate.

Common Title Defects

Title defects can include:

- Errors and omissions in public records

- Illegal deeds and other legal documents

- Unknown or missing heirs

- Unsatisfied prior mortgages

- Undisclosed liens and taxes

- Undisclosed restrictive covenants

A One-Time Payment for a Lifetime of Protection

Unlike many other types of insurance, owner's title insurance requires just a one-time payment for the policy. There's no need to worry about ongoing premiums. The remarkable aspect of owner's title insurance is that it remains in effect for as long as you or your heirs own the property in question.

Please Note: If you decide to refinance your home, you may need to purchase a new lender's title insurance policy or loan policy because it's effective only for the duration of the loan.

At Hockey Title Insurance, we're committed to securing your real estate investments and ensuring a smooth, risk-free ownership experience. Contact us today to learn more about our comprehensive title insurance protection. Your peace of mind is our priority.