A home is usually the largest single investment any of us will ever make. When you purchase a home, you will purchase several types of insurance coverage to protect your home and personal property. Homeowner's or hazard insurance protects against loss from fire, theft or wind damage. Flood insurance protects against rising water, and a unique coverage known as title insurance protects against hidden title hazards that may threaten your financial investment in your home.
   

1.		A fire destroys the house and improvements; the ground is left. A defective title may take away not only the house but also the land on which it stands. Title insurance protects you against such loss.
2.		A deed or a mortgage may have been made under a power of attorney after its expiration and would, therefore, be void.
3.		The testator of a will might have had a child born after the execution of the will, a fact that would entitle the child to claim his or her share of the property.
4.		A deed or mortgage may have been procured by fraud or duress.
5.		Title transferred by an heir may be subject to a federal estate tax lien.
6.		An heir or other person presumed dead may appear and recover the property or an interest therein.
7.		Title insurance helps speed negotiations when you're ready to sell or obtain a loan.
8.		Each title insurance policy we write is paid up, in full, by the first premium for as long as you or your heirs own the property.
9.		Claims constantly arise due to marital status and validity of divorces. Only title insurance protects against claims made by non-existent or divorced “wives” or “husbands”.
10.		Over the last 25 years, claims have risen dramatically!