Urban Dwelling

Title insurance is an insurance policy that protects your legal rights to own, possess, use, control and dispose of real estate. It is issued only after a complete and thorough title search is performed. A title search is a comprehensive search of the public records. However, substantial defects may not be discovered. Examples of historical “hidden defects” include:

• Mistakes in recording of legal documents
• Forged deeds or other settlement documents
• Undisclosed or missing heirs, including spouses
• Deeds executed by persons of unsound mind or executed with an invalid or expired power of attorney
• Liens for unpaid taxes
• Fraud

An Owner’s Policy of Title Insurance is a contract that protects you against the loss or damage due to title defects. For a one-time premium paid at settlement, title insurance protects you against future losses arising out of events that may have happened in the past. As a leading provider of title insurance and settlement services, our settlement services affiliate also offers an Enhanced Owner’s Policy of Title Insurance that provides more coverage to you as a homeowner at very little additional cost. This policy offers additional protection not found in the standard Owner’s Policy and expands your coverage by providing more protection into the future. Your coverage automatically increases as the value of your home increases and includes, to name a few, building permit violations, subdivision coverage, violation of restrictions on your land, encroachment coverage and post-policy forgery protection. Our settlement services affiliate’s title insurance fees are the lowest permissible by law.