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Titles >Do You Really Need Title Insurance

When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property.

It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises.

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Q	What was the first territorial acquisition made by the U.S. Government?
A	The Louisiana Purchase from France in 1803 for $15,000,000 increased U.S. national territory by 140%.
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The Gold Team, REALTOR®, real estate agents and broker for Granada Hills, Northridge and Chatsworth California home listings, property and land for sale - NUMBER1EXPERT(tm)

The Gold Team
KELLER WILLIAMS REALTY
171 E. Thousand Oaks Blvd., Suite 101
Thousand Oaks, CA 91361
Phone: 818-349-3444
Phone: 818-349-4040
Fax: 818-831-8817
Email: steveandterigoldbaum@NUMBER1EXPERT.com
Steve and Teri Goldbaum, The Gold Team, was recently selected by Los Angeles Magazine as one of Los Angeles' Real Estate Super Agents. They were congratulated by their company for their outstanding accomplishment of the #1 Agent/Team in their Office. "Steve and Teri are a powerful team and they deliver. They dedicate their time to serving their clients with an exceptional level of service. I know this because I receive phone calls praising Steve & Teri's professionalism and superior service from many of their clients throughout the year". License #’s: 01256906 and 01382552

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