Title insurance protects your real estate investment by insuring the history of your property’s title. It ensures that you have clear ownership of the land and improvements, shielding you from legal or financial claims related to title defects.

Title insurance protects you from a wide range of potential title defects—both known and unknown at the time of purchase or refinance. These include:

• Forged deeds or mortgage documents

• Errors in public records

• Undisclosed heirs or prior claims

• Legal disputes due to improperly executed documents

• Encroachments or boundary issues

• Fraud or misrepresentation in past transactions

We provide comprehensive title solutions for:

• Commercial Real Estate (CRE)

• SBA Loans

• Multifamily Properties

• Land Assemblages

• Adverse Possession Cases

• Quiet Title Actions
  

Unlike most insurance policies that protect against future events, title insurance protects against past events that may affect your property’s title. It is a one-time premium paid at closing, not an ongoing monthly cost.

Standard title policies cover recorded defects, while extended coverage may also protect against:

• Off-record prescriptive rights

• Survey errors

• Encroachments

• Mechanics' liens

• Zoning and building violations

• Access issues

Extended coverage is often recommended for owner-occupied residential properties or special commercial cases.

A Quiet Title action is a legal process used to establish clear ownership of a property. It is often necessary when there are disputes, competing claims, or uncertainties in the property’s title history.

Adverse Possession is a legal doctrine that allows someone to claim ownership of land under specific conditions—typically long-term, open, and continuous use without the owner's permission. Title Insurance can help address or resolve claims of this nature.

If a covered defect is discovered after closing, your title insurance policy may cover the legal fees and potential losses involved in resolving the issue—up to the policy limit.

Properties that are commercial, part of a land assemblage, inherited, or subject to unusual legal circumstances (like adverse possession or quiet title) often need specialized attention. Our team is experienced in navigating these complexities to ensure a clean and insurable title.