Title Insurance Protection
Title Insurance insures that the "record" title is good subject only to the
exceptions expressly set out in the policy. lt also insures against certain matters which
do not appear of record, such as forgery, identity of parties, incompetence of former
owners, interest of missing heirs, and status of individuals not having the
"right" to sell property.
The standard owners policy and standard mortgage policy are based on public records of the
recording district in which the land is located. It does not insure against matters which
would only be disclosed by actual inspection or survey of the property. It does not insure
against certain matters not shown by the public records such as unrecorded easements,
liens or money obligations; unrecorded utility rights of way, public or private roads,
community driveways and other types of encumbrances, or against the rights or claims of
persons in possession of the property which are not shown by the public records.
Upon application, the issuing company may specially cover matters which are disclosed by a
physical inspection and/or a survey of the property, subject to any exceptions which the
inspection will determine to be proper. An additional risk
premium is charged for this type of coverage. Insurance of this kind is called extended
coverage. |
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PMI vs. FHA MIP
Title Insurance
Title Insurance Protection
Title Insurance Policy
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