Helpful Information on Title Insurance
When you buy a home, you want to be certain that it is safely yours. But even the most diligent search of the public records could fail to disclose a number of title defects such as a forged will or deed, a title transfer by someone under age, a married person conveying real estate without his or her spouse, fraudulent impersonations, undisclosed heirs, invalid divorces, false affidavits. The list of potential problems that can surface goes on. Without the protection of title insurance, you’ll be in jeopardy of losing your investment.
A title search is a detailed examination of the historical records concerning the real property. These records include deeds, court records, property indexes, name indexes and tax records, among others. The purpose of the search is to verify the sellers right to transfer ownership, and to discover any claims, defects, rights or burdens affecting the property.
Title insurance is required in the state of Florida. Buyers who obtain a mortgage will be required to purchase a mortgage title policy. Both of our affiliate companies offer our clients the lowest state-allowed rates on title insurance.
HomePartners Title Services
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