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Titles >Do You Really Need Title Insurance

When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property.

It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises.

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Q	What is arguably the world's strangest (and most dysfunctional) kitchen?
A	In 1998 the Kemper Museum of Contemporary Art in Kansas City first displayed a kitchen made entirely of 40 million colored glass beads by artist Liza Lou of Topanga, California.
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Len Mailloux, REALTOR®, real estate agent and broker for Charlottesville Virginia home listings, property and land for sale - NUMBER1EXPERT(tm)

Len Mailloux
Real Estate III
500 Faulconer Dr.
Charlottesville, VA. 22903
434-984-7404
434-981-1972
Fax: 434-984-7489
Email: lenmailloux@NUMBER1EXPERT.com
Len Mailloux is one of America's NUMBER1EXPERTS™ He has been named by Unique Homes magazine as one of the top real estate professionals in the country. Len's reputation for matching people with properties, exceptional marketing and advertising strategies, knowledge of the market and love of the area are qualities upon which his clients rely. Just call or contact him by e-mail today!

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