The proof is in the numbers

A fire destroys only the house and improvements. The ground is left. A defective title may take away not only the house but also the land on which it stands. Title insurance protects the homebuyer (as specified in the policy) against such loss.

  • A deed or mortgage in the chain of title may be a forgery. 
  • A deed or a mortgage may have been signed by a person under age. 
  • A deed or a mortgage may have been made by an insane person or one otherwise incompetent. 
  • A deed or a mortgage may have been made under a power of attorney after its termination and would, therefore, be void. 
  • A deed or a mortgage may have been made by a person other than the owner, but with the same name as the owner. 
  • The testator of a will might have had a child born after the execution of the will, a fact that would entitle the child to claim his or her share of the property. 
  • A deed or mortgage may have been procured by fraud or duress. 
  • Title transferred by an heir may be subject to a federal estate tax lien. 
  • An heir or other person presumed dead may appear and recover the property or an interest therein. 
  • A judgment or levy upon which the title is dependent may be void or voidable on account of some defect in the proceeding. 
  • Title insurance covers attorneys’ fees and court costs. 
  • Title insurance helps speed negotiations when one is ready to sell or obtain a loan. 
  • By insuring the title, it can eliminate delays and technicalities when passing the title on to someone else. 
  • Title insurance reimburses homebuyers for the amount of the covered losses. 
  • A deed or mortgage may be voidable because it was signed while the grantor was in bankruptcy. 
  • Each title insurance policy Entitle, Inc. writes is paid up, in full, by the first premium for as long as the homebuyer or their heirs own the property. 
  • There may be a defect in the recording of a document upon which the title is dependent.  Claims constantly arise due to marital status and validity of divorces. Only title insurance protects against claims made by non-existent or divorced "wives" or "husbands."