Защита ваших интересов через титульное страхование

Хотя страховые агенты прилагают все усилия, чтобы устранить риск, связанный с покупкой недвижимого имущества или с ипотекой, всегда будет существовать определенные риски для покупателей и инвесторов.

Преимущества титульного страхования являются:

Очищает проблемы титула
Оплачивает обоснованные претензии
Обеспечивает защиту от претензий нападения на застрахованный титул

Титульный страховой полис страхует ваш процентный условии исключения и условия, содержащиеся в нем, и страхует.

Covered Title Risks

Subject to its terms and conditions, a title policy covers the following title risks, if they affect title to the insured property on the policy date:

Someone else owns an interest in the title.
A document is not properly signed, sealed, acknowledged, or delivered.
Forgery, fraud, duress, incompetency, incapacity or impersonation.
Defective recording of any document.
Lack of legal right of access to and from the land.
There are restrictive covenants limiting the use of the land.
There is a lien on the title because of:
A mortgage or deed of trust
A judgment, tax or special assessment.
Others have rights arising out of leases, contracts, or options.
Someone else has an easement on the land.
Title is unmarketable, which allows another person to refuse to perform a contract to purchase, to lease or to
Make a mortgage loan.
You are forced to remove your existing structure other than a boundary wall or fence because:
It extends onto adjoining land or onto any easement
It violates a restriction shown in the policy.
Other defects, liens or encumbrances.

Costs

Unlike most types of insurance the title insurance premium is paid only once. If the owner's and lender's policy are purchased simultaneously, there is a substantial discount.

Protection

If a claim is made against your title as insured, The title insurance underwriter protects you by (1) defending your interest in any court case and paying the costs, attorneys' fees, and expenses incurred in that defense; (2) If the claim is proven to be valid, The title insurance underwriter will pay the costs of your claim, up to the amount of the policy or will undertake the responsibility of perfecting the title as insured at its own expense.