​

There are few things in life more important than protecting your investment in your home. The following are examples of why you need an Owner’s Insurance Policy to protect that investment. Remember that the best examination or search of your title cannot protect your equity and home from matters not appearing in public records. However, subject to certain limitations set forth in the policy, a Title Specialists, Inc. Owner’s Policy can protect you from financial loss resulting from a number of matters that could affect the title to your property.

 

Common Hidden Risks Covered by Title Insurance:

• False impersonation of the true owner of the property. 

• A deed or mortgage in the chain of title may be a forgery. 

• A deed or mortgage may have been signed by a person underage. 

• A deed or mortgage may have been signed by a person of unsound mind. 

• A deed or mortgage may have been signed under an invalid or expired power of attorney. 

• Misinterpretations of wills. 

• Undisclosed or missing heirs. 

• A deed or mortgage may have been procured by fraud or diress. 

• Title transferred by an heir may be subject to a federal estate tax lien. 

• A defective judgment proceeding causing a lien. 

• A deed or mortgage signed while grantor is in bankruptcy. 

• A defect in the recording of a document. 

• Deeds signed by persons supposedly single, but in fact married. 

• Liens for unpaid estate, inheritance, income or gift taxes.