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Owning your property free and clear involves more than having a deed in hand. A deed does not cancel certain prior “rights” and “claims” other people may have to your property – rights whose existence you never suspected; claims that may go back in time months or decades to the earliest owners of your newly acquired property.

An owner’s title insurance policy takes the risk out of acquiring property whose legal history is unknown to you. Occasionally, in spite of an exhaustive title search, hidden hazards can emerge after closing. Among the many risks against which title insurance protects you are:

Confusion from similarity of names

Forgery and fraud

Unpaid taxes

Misrepresentation of marital status

Invalid divorces

Undisclosed or missing heirs

Incorrect legal descriptions

Conveyance by a minor

Clerical errors in public records

Mental incompetence of grantors

Missed easements

Wills not probated