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Title Insurance

Title Insurance

Title Insurance

Understanding Title Insurance

Title Insurance insures that the purchaser is the owner of the property and that it is free from all defects, liens and encumbrances except those items listed as exceptions in the policy or excluded from the scope of the policy's coverage. It also covers losses and damages suffered if the title is unmarketable, or if there is no right of access to the land. Although these are the basic coverages, expanded forms of residential owner's policies exist that cover additional items of loss. These enhanced policies are not suitable or available for all transaction types, so be sure to speak to an experienced real estate attorney about your your particular situation.

Title insurance exists in the United States because of the way land records are structured. In other parts of the world, countries use government controlled land registration systems. Transfers of property within governmental systems are generally deemed conclusive, although recourse for errors may be limited. In the United States, the government does not generally determine property ownership or validate title instruments reflecting ownership. Instead, each time a title transfer takes place, an instrument reflecting ownership is recorded with the county recorder's office. Indexing systems vary among States, but in Georgia the instrument is copied and indexed in the name of both the buyer and seller. Title ownership is deemed to be the interpretation of these successively recorded instruments in the chain of title. In a word– it's complicated.

Title Insurance Insures—
  • Ownership of the property
  • Against losses from prior liens or judgments on the property, including
  • Legal access to your property, and that
  • Title is not rejected by a subsequent buyer because it is unmarketable due to a title defect or lien

Discounted Title Insurance

Under Georgia State law, every title insurer must file its rate schedule, forms and rate modifications with the Office of the Insurance Commissioner. "Discounted" title insurance (simultaneous issue rate) is offered when both a lender’s policy and an owner’s policy are purchased concurrently. The availability, amount, and applicability of the discounts vary by title insurer. Please contact us so we can provide you with an accurate quote.
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945 E Paces Ferry Road
Resurgens Plaza
Atlanta, GA 30326
Tel +1(678)448-4148

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945 E Paces Ferry Road, Resurgens Plaza
Buckhead • Atlanta Georgia 30326

Tel +1(678)448-4148

Open By Appointment Only
Monday through Friday 9am to 5:30pm
Saturday 9am to Noon

Real Estate | Closing Lawyer | Land-Title Insurance

The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before deciding to pursue representation, please review our qualifications and experience. The information presented at this site should be construed as general information only and is intended to neither offer formal legal advice nor create an attorney-client relationship.