Title Insurance Information

title deed documentTitle Insurance protects the equity in the real estate against hidden risks or undiscovered interests. When you purchase real estate, you want to be sure that your interests are protected against claims to the title ownership of the property. When you buy an owner's title insurance policy, it insures that no one else will have any liens, claims or encumbrances against your property other than your mortgage.
 
Most commonly, Title Insurance protects a property owner from the following:
  • False impersonation of the true owner of the property
  • Defective acknowledgments
  • Inadequate legal descriptions
  • Errors in indexing of documents by County
  • Forged deeds, releases, or wills
  • Errors in tax records or mistaken reports furnished from taxing authorities
  • Undisclosed or missing heirs
  • Deeds to or from corporations no longer in existence
  • Contracts executed under invalid or expired power of attorney
  • Mistakes in recording legal documents
  • Misinterpretation of wills
  • Deeds by minors or persons of unsound mind
  • Deeds by persons who have misrepresented their marital status
  • Easements established through continued use but not of public record (easements by prescription or by implication)
  • Liens for unpaid estate, inheritance, income, or gift taxes
  • Fraud
  • Liens for unpaid estate inheritance and gift of taxes against the prior owners of your home
  • Unrecorded easements
  • Undisclosed heirs of the prior owner of the property in which it is situated
  • Invalid deeds delivered after the death of the grantor
  • Invalid documents executed after a power of attorney has expired
 
The Texas Department of Insurance regulates title insurance. For further information about title insurance, click here.