Alton

112 W Homer Adams Parkway

Alton IL 62002

Phone: 618-466-4400

Fax: 618-466-4300

Bethalto

705 Kansas, Suite B

Bethalto IL 62010

Phone: 618-377-4440

Fax: 618-377-4442

What is Title Insurance?

Title insurance is your policy of protection against loss if a covered defect such as fraud and forgery, defective deeds, confusion due to similar or identical names and clerical error in records is found and results in a claim against your property. This defect could result in someone else having a valid claim against your property.

 

How Does Title Insurance Protect You?

If a claim is made against your property, your title insurance will, in accordance with the terms of your policy, assure a legal defense. Also, if the claim proves to be valid, you will be reimbursed for your actual loss up to the face amount of the policy.

 

What Risks are Covered?

Depending on your policy, coverage typically protects against:

  • Errors - incorrect information in deeds, mortgages, public records, etc., such as wrong names
  • Liens - claims against the property or seller which become the new owner’s responsibility after the sale, such as unpaid taxes, sewer liens, bills owed to workers or other creditors.
  • Claims of Ownership - a claim to “marital interest” by the spouse of a former owner or by a child of a former owner who was not mentioned in the parents’ will.

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