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Title Insurance The seller, through the purchase of title insurance, is guaranteeing that the title you will receive at the time of closing is free and clear. The lender also requires that you, the buyer, purchase a smaller title insurance policy that will ensure the lending institution is the primary lien holder. A number of things could jeopardize your interest in the property. These are referred to as title defects. Some of these defects are: An unsatisfied mortgage Income tax lien Fraud or forgery in previous documents Improperly executed deeds A look at court records might not reveal many instances of these and hundred of others ways in which parties you have never heard of could claim an interest in your home. The title insurance policy eliminates the risk of loss to you through claims against the title as insured in your policy. The underwriter assumes all legal expenses involved in adjudicating claims and protects you against any loss whatsoever arising from claims attacking your title, within policy limits, even though they may occur through errors made in public records. Title insurance is as important to you as your hazard insurance. Print This Page                                                                                                                                             Return to Top of Page Buyers Best Choice is a true Personal Service Real Estate Agency located in Colorado. Web Design by Amaasing Designs