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Title Insurance

Title Insurance

Okay, so you are about to buy land and are excited about the future! Land can provide financial security, shelter, recreational opportunities, peace of mind and a host of other possibilities! But before you make your move consider a simple, inexpensive way to protect that investment… Title Insurance. Title insurance is the single most effective tool to defend your rights to the land you own. 

Before you purchase your land you will have an attorney research the “Title”. The title is the legal record of the property’s history of ownership, rights, and easements. Title insurance protects you against any defects in the title that may have occurred in the property’s history. These defects can include, but are not limited to the following:

 

Fraud and/or Forged Documents

Easement issues

Clerical errors

Undiscovered mortgages

Legal claims by spouses or children of previous owners

 

You can purchase title insurance at the closing. Have the closing agent review the policy with you at that time and discuss any exceptions to the coverage. It is a one time fee with no monthly premiums. As of this writing, title insurance runs about $3 per thousand dollars of the purchase price with a minimum of $100. 

Buying land is a big investment. Protecting your investment with title insurance is a smart decision.