What is title insurance, and is it required?

VA Loans and Title Insurance. Generally, title to the estate shall be that which is acceptable to informed buyers, title companies, and attorneys in the community in which the property is situated.". So in essence, any required title insurance is not included "against the wishes of the VA". Some lenders require title insurance, some many not.

Title insurance can protect you if someone later sues and says they have a claim against the home from before you purchased it. Common claims come from a previous owners failure to pay taxes or from contractors who say they were not paid for work done on the home before you purchased it.

DEAR BENNY: We are getting ready to close on a home and there is a settlement fee of $685 for lender’s title insurance and $683 for owner’s title insurance.

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The title insurance is worth the same to you in either circumstance (i.e., whether you have a loan or don’t have a loan) so I would get it. If there is a defect in your title, without title insurance you will need to sue the seller (assuming that he/she gave you a warranty deed and that he/she is still alive, can be found, etc.) to try to recover your damages.

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What is Real Estate Title Insurance | Why Do I Need Title. – Real Estate title insurance is a type of insurance that covers financial loss from defects in title to real property and from the invalidity of mortgage liens. A title policy is put in place to protect an owner’s or lender’s financial interest in a property against loss due to title defects, liens or other matters.

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Some title insurance companies also will provide escrow or closing services directly, as well as underwrite and issue the title insurance policy. The buyer decides who will conduct the closing and issue the title insurance policy. While the real estate agent or broker may suggest or recommend a title insurance producer, the buyer does not have

Title Insurance – What is it and do you need it? – Title Insurance is the only means to provide the most comprehensive protection against risks which may affect your legal ownership of yourhome. Title Insurance has only been in the Australian market for about 12 years – before then it did not exist.