Our Companies represent the Title Insurance Underwriters above.

Title Insurance guarantees ownership and provides protection to both the owner and lender involved in the real estate transaction.

Standard Owner’s Policy Of Title Insurance Protects The Owner Against Loss Because Of:

1. Forgery
2. Fraud in connection with the execution of documents
3. Undue influence on a Grantor or Executor
4. Impersonation by those purporting to be owners of property
5. Incorrect representation of marital status of Grantor
6. Undisclosed or missing heirs
7. Wills not properly probated
8. Mistaken interpretation of Wills and Trusts
9. Mental incompetence of Grantor
10. Conveyance by Minor
11. Incorrect Legal Descriptions
12. Non-delivery of Deeds
13. Deed executed under expired or false Powers of Attorney
14. Delivery of Deed after death of Grantor
15. Deeds by Corporations, Partnerships, Trusts and other business entities without proper or legal authority
16. Clerical errors in recording legal documents
17. Unmarketability of title as insured
18. Record defects, liens, encumbrances, adverse claims or other matters not known or disclosed to the new owner that attach before date of policy
19. Legal Access

Extended Coverage Policy Protects The Lender (Or Named Insured) Against Loss Because Of:

1. Forgery
2. Fraud in connection with the execution of documents
3. Undue influence on a Grantor or Executor
4. Impersonation by those purporting to be owners of property
5. Incorrect representation of marital status of Grantor
6. Undisclosed or missing heirs
7. Wills not properly probated
8. Mistaken interpretation of Wills and Trusts
9. Mental incompetence of Grantor
10. Conveyance by Minor
11. Incorrect Legal Descriptions
12. Non-delivery of Deeds
13. Deed executed under expired or false Powers of Attorney
14. Delivery of Deed after death of Grantor
15. Deeds by Corporations, Partnerships, Trusts and other business entities without proper or legal authority
16. Clerical errors in recording legal documents
17. Unmarketability of title as insured
18. Record defects, liens, encumbrances, adverse claims or other matters not known or disclosed to the new owner that attach before date of policy
19. Legal Access
20. Unrecorded liens
21. Survey and boundary questions
22. Claims of parties in possession not disclosed by the public records
23. Easements or claims to easements not disclosed by the public records

Title Insurance Pricing is based upon the ACTUAL VALUE of the transaction. For comparison purposes, the following tables represent selected values.

Owner’s Policy Title Premium (Risk Rate) Search & Examination
$10,000.00 $14.00 $196.00
$25,000.00 $35.00 $227.50
$50,000.00 $70.00 $280.00
$100,000.00 $130.00 $370.00
$150,000.00 $170.00 $430.00
$200,000.00 $210.00 $490.00
$250,000.00 $250.00 $550.00
$300,000.00 $290.00 $610.00
$350,000.00 $330.00 $670.00
$400,000.00 $370.00 $730.00

All above prices are for RESIDENTAL properties only, which involve a SINGLE chain of title or ownership. Additional charges are made for complex searches and policy endorsements/extended coverages.

Owner’s Policy Title Premium (Risk Rate) Search & Examination
$10,000.00 $10.00 $190.00
$25,000.00 $25.00 $212.50
$50,000.00 $50.00 $250.00
$100,000.00 $90.00 $310.00
$150,000.00 $125.00 $372.50
$200,000.00 $160.00 $415.00
$250,000.00 $195.00 $467.50
$300,000.00 $230.00 $520.00
$350,000.00 $265.00 $577.50
$400,000.00 $300.00 $625.00

All above prices are for RESIDENTAL properties only, which involve a SINGLE chain of title or ownership. Additional charges are made for complex searches and policy endorsements/extended coverages.