Buying a home or property is one of the biggest financial decisions you’ll make. While inspections, appraisals, and loan approvals get a lot of attention, one critical piece of the puzzle often gets overlooked: title insurance.
At Verity Title, we believe that understanding title insurance is key to protecting your ownership rights and ensuring a smooth, worry-free closing. Here’s everything you need to know.
Title insurance is a type of protection that safeguards property owners and lenders from financial loss due to defects in the title. These defects can include:
Unlike homeowners insurance, which protects against future events like fire or theft, title insurance protects against past issues that could affect your legal ownership.
Even a thorough title search cannot always uncover every potential issue. Hidden liens, clerical errors, or fraudulent claims can appear years after you purchase your property. Title insurance ensures that if a covered problem arises, you are financially protected and legal defense costs are included.
With Verity Title, our search and exam team proactively identifies potential issues before closing, giving you confidence that your ownership is secure.
There are two main types of policies:
1. Owner’s Policy
Protects the buyer’s financial interest in the property. It covers legal fees and losses if a covered title issue arises after the purchase. This policy is typically a one-time premium, providing protection for as long as you or your heirs own the property.
2. Lender’s Policy
Required by most mortgage lenders, this policy protects the lender’s investment until the loan is fully repaid. While it primarily benefits the lender, it ensures that the property’s title is clear and secure, which also benefits you as the owner.
Even cash buyers should strongly consider an owner’s policy — title insurance is the only protection against claims that may arise years after purchase.
At Verity, our local expertise and proactive approach ensure every transaction is smooth and secure. We don’t just issue a policy — we:
Your property is one of your most valuable assets. Title insurance is how you protect it — today, tomorrow, and for years to come.
Protect your property. Protect your future. Start with title insurance from Verity.
Buying a home or property is one of the biggest financial decisions you’ll make. While inspections, appraisals, and loan approvals get a lot of attention, one critical piece of the puzzle often gets overlooked: title insurance.
Buying a home is one of the most exciting milestones in life, but the closing process can feel complex and overwhelming. This guide breaks down what happens at closing, what you need to prepare, and how to ensure everything goes smoothly.
Closing day is the moment you’ve been waiting for—the day you officially become a homeowner. With so many documents, payments, and steps involved, it can feel overwhelming. This quick checklist will help you stay organized, avoid last-minute surprises, and close with confidence.
Closing day is the final step before you officially become a homeowner. While excitement is high, small missteps can lead to delays or complications. Here’s what not to do before signing day—and how to stay on track for a smooth closing.
Wire fraud has become one of the fastest-growing threats in real estate transactions. Scammers often target buyers during the closing process, sending fraudulent wiring instructions that can cost thousands of dollars—or even your entire down payment—if you aren’t vigilant.
