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Title insurance protects against losses that could occur if you discover after closing on a real estate deal that someone else can claim ownership of your property.

How does Title Insurance work?
Title insurance is paid for in a lump sum at the time of the closing and is based on the value of the property. Coverage starts on the day the policy is issued and extends backward in time. This is different from property or life insurance which protects you against losses that occur after the policy is issued.

Title insurance includes a search of past deeds, wills and trusts to ensure that the title has passed to each new owner correctly. The search also verifies that all liens, judgments and previous mortgages have been paid. A search should uncover many potential problems.

VyStar Title Agency, LLC