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Chicago Title Insurance Company
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Ticor Title Insurance Company
Welcome to
Ticor Title...
If you're buying, selling, borrowing, lending.or just
considering a real estate transaction, get in touch with your Ticor
Title issuing agent. Your
Ticor Title representative is a local land title specialist who can be
tremendously helpful to you.
Ticor Title
experts are highly skilled in researching and evaluating real
estate ownership. They
can also refer you to others whose services you may require, such
as specialized attorneys, real estate brokers, mortgage lenders,
land surveyors and government agencies.
Ticor Title knows your area in depth - from
its housing market to its land records.
With access to Ticor Title's nationwide information
system, your local Ticor Title specialist is a good person to know
when you're considering real estate.
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Security Union Title Insurance Company
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Buying,
selling, borrowing, lending?.. or just considering a real estate
transaction? There's
a local land title specialist who can be tremendously helpful to
you, your Security Union Title Insurance policy issuing agent.
Security Union
title agents are highly skilled in the task of researching and
evaluating real estate ownership. They can also refer you to specialized attorneys, real estate
brokers, mortgage lenders, government agencies and others whose
services you may require. Your
local Security Union agent or issuing attorney has an intimate
knowledge of your area- from its housing market to its land
records. With access
to Security Union's nationwide information system, your local
Security Union Specialist is a good person to know. when
you're considering real estate.
Here's how your issuing agent helps.
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Title Insurance Products & Services From Old Republic
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Welcome to the Old Republic Title Insurance Group
We provide a complete line of
residential and commercial title
insurance products and services through a national network of branch offices,
subsidiaries, and independent policy-issuing agents.
Do I need Title Insurance?
Most definitely! It is a means of protecting
yourself from financial loss in the event that problems develop
regarding the rights to ownership of your property. To
learn more, see our Title
Insurance Primer and Frequently Asked
Questions sections.
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Commonwealth is the oldest title insurance company in existence. In fact, Commonwealth
wrote the nation's first title insurance policy in 1876. Until 1998, it was headquartered
in Philadelphia.
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Alamo Title Insurance Company
Alamo Title Insurance Company
Alamo Title Insurance Company operates over 40 title insurance offices in most of the large Texas metropolitan areas: in Austin, Houston, Fort Worth and San Antonio as Alamo Title Company, and in Dallas as Hexter-Fair Title Company.
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Real Estate News and Advice
July 30, 1999
Exceptions To Coverage In Your Title Insurance Policy
by Sandy Gadow
Your title insurance policy will list certain exceptions that will be
excluded from coverage. This is a standard practice, but you should be aware
of which items are exempted and therefore not covered. Owner's policies
usually contain a list of some of the following standard exceptions. These
exceptions may include:
boundary line disputes
easements or claims of easements not show in the public records
taxes or special assessments left off the public record
claims of people who turn out to be living in the house ( such as a
prior owner's tenants) if their being there isn't a matter of
public record
unrecorded mechanic's liens
mineral and/or water rights
You have the option of paying an additional fee to obtain "extended
coverage" for any items you want included in your policy. Your title officer
can tell you which endorsements are available. Other exceptions which are
generally excluded from coverage include zoning, environmental protection
laws, matters arising after the effective date of the policy, and matters
created, suffered, or assumed by the insured. Some other exceptions could be
subdivision and building codes, and matters known to the insured, but not
shown on the public records and not disclosed to the insurer.
Your lender will normally request certain endorsements added to their
lender's title policy. These endorsements will often insure against defects
found only by inspection of the property, or by a survey, unrecorded liens
and easements, mining claims and water rights, and right of parties in
possession of the property. Title policies covering a condominium property
will also require special endorsements added to the policy.
Go over your title policy carefully to see what is included and which
items are to be excluded from coverage. If you find items of concern, discuss
these with your escrow agent or closing attorney. Any changes to the policy
of title insurance should be made before the close of escrow. It is possible
to remove exceptions by means of special endorsements, but the title company
must be aware of any special requests as soon as possible. Keep in mind that
title insurance gives you coverage only up to a certain point in time for all
events which took place during a previous point in time. A lien that is
recorded after title insurance is issued, will not be insured against a
claim. Some areas provide for your title company to issue inflation
coverage. This is an optional coverage item, is relatively inexpensive and
may be worth considering.
Your lender will normally request certain endorsements added to their
lender's title policy. These endorsements will often insure against defects
found only by inspection of the property, or by a survey, unrecorded liens
and easements, mining claims and water rights, and right of parties in
possession of the property. Title policies covering a condominium property
will also require special endorsements added to the policy.
Also See:
What Title Insurance Will Do for You
Dealing With Clouds On Your Title
Closing Escrow When You Are Out of Town
Coverage And Types Of Title Insurance Policies
Related Articles:
How Will My Loan Be Handled in Escrow?
Did The Title Company Record a Deed of Reconveyance at The Time of Closing?
What Is The Difference Between a Title Theory and a Lien Theory State?
Where ARE The Property Boundaries?
Sandy Gadow, author of All About Escrow and Real Estate Closings , now in it's Sixth Edition, is a frequent guest speaker on national radio as the escrow expert, has more than 25 years experience in escrow, title and real estate. A licensed mortgage broker and real estate sales associate, Sandy is a member of the California Escrow Association and the National Association of Real Estate Editors. Come visit Sandy at http://www.escrowhelp.com or E-mail your questions to Sandy at: escrowpub@aol.com
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This column is distributed by RealtyTimes.com in conjunction with Escrow Publishing Company. This column may not be resold, reprinted, resyndicated or redistributed without written permission from Escrow Publishing Company. c. Sandy Gadow, c. Realty Times, Distributed by Realty Times.com and Escrow Publishing Company.
Copyright © 1999 Realty Times . All Rights Reserved.
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Old Republic Title Company - Western Region
ORTCOnline
Welcome To Old Republic Title Company -
Western Region
We provide a complete line of
residential title insurance and commercial title insurance
products and services through a national
network of branch offices, subsidiaries, and independent
policy-issuing agents. Take some time to investigate
further what title products and services Old Republic Title has to
offer by selecting from the menus on the left and right sides of
the page.
Why Old
Republic Title?
For
over ninety years we have been providing title insurance for homes
and commercial properties like yours all across the nation. We
have built our success on a sturdy foundation of proven financial
strength, incomparable title expertise, and exceptional service
from fellow community members and friends you can count on. Old
Republic Title offers the distinctive service you deserve.
Our Financial Stability is a Foundation of
Strength.
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