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Homeowners: Protect Your Home With Owner's Title Insurance

When you purchased your home, at the time of closing, your lender required you to acquire a title insurance Loan Policy. Please be advised that this policy does not protect your interest in the property that you purchased. The title insurance Loan Policy only protects the mortgage lender.

If the Lender has title insurance, what possible danger of loss can you face?

Let's say you purchased your home for $100,000. You made a $20,000 down payment and your lender holds an $80,000 mortgage lien. Your lender has title insurance protecting their interest up to $80,000. Your $20,000 in equity and any future equity is not covered. A title insurance Owner Policy will protect you against possible defects that may have occurred in the past and would affect your ownership of the property. You have, at a minimum, 67 risks investing in real property such as; Claims of creditors against real estate sold by heirs, forged deeds, mortgage releases and other documents, mistakes in indexing of public records and claims by previously undisclosed heirs.

How does an Owner Policy protect against all of these dangers?

If a claim is made against your title, the title company protects you by defending your title in court if necessary, completely at their expense. The title company is also responsible of settling a claim if it proves valid, in order to protect your title and keep you in possession of your property.

What is the fee for an Owner Policy?

Unlike other forms of insurance, the original premium is your only cost as long as you and your heirs own the property. There is no annual payment to keep your Owner's Title Insurance Policy.

Protect your home and your investment by calling cfacts Title Insurance Department at 412-232-3232 for a FREE QUOTE for a Title Insurance Owner Policy. cfacts is an approved agent for National Title and Stewart Title Insurance Company and is also a member of the Pennsylvania Land Title Association, the American Land Title Association, and the Mortgage Banker's Association of Southwestern Pennsylvania.