Frequently asked questions

Title insurance is a form of indemnity insurance that protects lenders and homebuyers from financial loss sustained from defects in a title to a property. The most common type of title insurance is lender’s title insurance, which the borrower purchases to protect the lender. The other type is owner’s title insurance, which is often paid for by the seller to protect the buyer’s equity in the property.

When buying a home, you’ll probably hear your lender or real estate agent use the word escrow. The term escrow can describe a few different functions, from the time your offer is accepted to the day you close on your home - and even after you become a homeowner with a mortgage.

• Title insurance protects lenders and buyers from financial loss due to defects in a title to a property.
• The most common claims filed against a title are back taxes, liens, and conflicting wills.
• A one-time fee paid for title insurance covers pricey administrative fees for deep searches of title data to protect against claims for past occurrences.
• Any real estate transactions must have a clear title to ensure that the property is free from liens.

A title insurance policy will cover numerous risks like flawed records, incorrect ownership, and falsified documents.

Title insurance policy’s last for as long as you own the house. You will need to engage with your title company if you refinance your home to order to keep the coverage valid.

Technically yes! But if you have a loan, then most banks require title insurance for both you and the lender

A.O.L’s are a new process by which an attorney reviews a properties title and creates a letter indemnifying the lenders of any Fannie Mae and Freddie Mac backed banks. This process allows the buyer/seller to pay significantly less fees than a typical title insurance policy.

We’ve built a digital first company that relies on automation, artificial intelligence and machine learning to cut out expensive and time consuming process. This results in us being able to offer discounts to all our clients.

Yes you do! Most jurisdiction have laws in place that you the buyer/seller are entitled to use whichever title company you want.

Of all properties bought and sold only about 3% of those transactions result in some sort of claim. That’s not much.

We’d love to chat with you. Please start with emailing us at [email protected]

We are currently licensed in Arizona but will be expanding to all states within the next year.