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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	At the doors of what famous temple do you find yourself when you climb the 'Stairway to Heaven'?
A	The Temple of Heaven in Beijing, China, attracts the local faithful and tourists.
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The Albrecht Team, REALTORŽ, real estate agents and broker for Indianapolis, Carmel and Geist Indiana home listings, property and land for sale - NUMBER1EXPERT(tm)

The Albrecht Team
RE/MAX Real Estate Groups
8555 North River Road, Suite 100
Indianapolis, IN. 46240
Direct: 317-819-3388
Toll Free: 800-876-1596
Fax: 317-819-3366
Email: team@keithshomes.com
Thank you for visiting my site. I look forward to the opportunity to help you buy or sell a home in the Indianapolis area. I have a full team of experienced professionals on hand to help you. We can uniquely offer: ˇ The ability to work with RE/MAX's #1 Sales Volume Agent in the State of Indiana for 1999, 2000, 2001, 2002, 2003, 2004, 2005 & 2006! ˇ FREE use of the Albrecht Team Van ˇ FREE money savings reports you can access via this web site ˇ FREE market analysis of your home ˇ A Client Care Manager, Marketing Director, Buyer Specialists and Closing Coordinator- all dedicated to providing you superior service ˇ I will guarantee the sale of your home, or I will buy it! Please take a few moments to navigate this site. Search the listings and take advantage of our free reports. If you see something you like, please call or e-mail me. I look forward to working with you in the sale or purchase of your next home.

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