Why do I need Title Insurance? When you buy a home, or any property for that matter, you expect to enjoy certain benefits from ownership. For example, you expect to be able to occupy and use the property as you wish, to be free from debts or obligations not created or agreed to by you, and to be able to freely sell or pledge your property as security for a loan. Title insurance is designed to cover these rights you bargain for. Without a title insurance policy, a buyer of property may not be fully protected against errors in public records, hidden defects not disclosed by the public records, or mistakes in examination of the title of your new property. As a result, a new property owner may be held fully accountable for any prior liens, judgments or claims brought against their new property. However, a title policy insures that if such an occasion arises, a buyer will be defended free of charge against all covered claims and paid up to the amount of the policy to settle valid claims."

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