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A title insurance policy protects the owner of a real estate property against a financial loss they might suffer due to undiscovered defects to the title of the property.

Common defects covered by an Owner’s Policy:

• Forged deeds, releases, and wills

• Lack of competency, capacity, or legal authority of a party to sign

• Deed not executed by a necessary party (co-owner, heir, spouse, corporate officer, or business partner)

• Undisclosed prior mortgages or liens

• Easements or use restrictions

• Erroneous or inadequate legal descriptions

• Lack of a right of access

• Improperly recorded legal documents

An extended coverage policy may be requested to protect against such additional defects as:

• Off-record matters, such as claims for adverse possession or prescriptive easement

• Encroachments on land of another

• Property survey errors

• Silent (unrecorded) liens (such as mechanics or estate tax liens)

• Incorrect Notary acknowledgments

Title insurance rates are regulated by each state.

In the State of Florida, title insurance rates are as follows: $5.75 per thousand dollars of the sales price up to $100,000, and $5.00 per thousand dollars of the sales price from $100,001 to $1,000,000.00.

In the State of Georgia, title insurance rates are filed with the Department of Insurance. Seek guidance from your title professional for any unanswered questions.

You should contact your title insurer or the agent who issued your policy. Title insurance includes coverage for legal expenses which may be necessary to investigate or settle such a claim.

Title searches uncover more than liens and judgments. A thorough title search will include information about mortgages, taxes and liens, public utilities, and other concerns that may affect your title.