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Stevens County Title

Stevens County Title to your property is the right to use and occupy the space. Others may have prior claims or liens against the title that could limit the way you use your property and even threaten your financial interest in it. Just as homeowner's insurance protects the premises from future physical threats, title insurance protects your investment from problems that already exist with the title. Homeowner's insurance usually requires an annual premium, while title insurance is purchased with a one time premium.
There are two basic kinds of title insurance Lender or mortgagee protection, Owner's coverage. Most lenders require mortgagee title insurance as security for their investment in real estate, just as they may call for fire insurance and other types of coverage as investor protection. When title insurance is provided, lenders are willing to make mortgage money available in distant locales where they know little about the market.
An important part of title insurance is its emphasis on risk elimination before insuring. This gives you, as the policyholder, the best possible chance for avoiding title claim and loss. Title insuring begins with a search of public land records affecting the real estate concerned. An examination is conducted by the title agent or attorney on behalf of its underwriter to determine whether the property is insurable. The examination of evidence from a search is intended to fully report all material objections to the title.
Title insurance offers financial protection against these and other covered title hazards. The title insurer will pay for defending against an attack on title as insured, and will either perfect the title or pay valid claims. All for a one time charge at closing.Your home is your most important investment. Before you go to closing, ask about your title insurance protection, and be sure to protect your home with an owner's title insurance policy.
The Company already knows that your home is a large investment worth protecting against potential hazards. You probably know that homeowner's insurance covers physical loss from problems such as theft, fire, vandalism and weather damage. What you may not understand is how Title Insurance can protect you against unseen hazards, which could endanger the financial investment you've made in your property.
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