Title Insurance Defined...

The issuance of a Title Insurance Policy insures that as the new owner, your title for the property is free and clear of any possible encumbrances. It also insures that you have clear title from the seller. A title insurance policy insures that you will stand protected from loss or damage as a result of any title defects. Some possible encumbrances include protection from forged documents, mistakes in public records, fraud and incorrect property descriptions. TS Title will provide a thorough search of the public records to reveal possible liens, claims or encumbrances against the property. There are two primary types of title insurance policies.

The Owner's Policy
The Owner's Policy is issued to the new Owner, guaranteeing that the Title to the property they are purchasing, is delivered to them without any Restrictions or Encumbrances.

The Lender's Policy
The Lender's Policy is issued when there is a Mortgage Lien to be issued on the Property. It guarantees that the title to the property for which they are lending funds is free and clear of any encumbrances