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Title Insurance

Title:

Title insurance is insurance that protects a person from losses that arise from a property ownership dispute; it is protection against loss arising from problems connected to the title to your property. Before you purchased your home, it may have gone through several ownership changes, and the land on which it stands went through many more. There may be a weak link at any point in that chain that could emerge to cause trouble. For example, someone along the way may have forged a signature in transferring title. Or there may be unpaid real estate taxes or other liens. Title insurance covers the insured party for any claims and legal fees that arise out of such problems.

There are two types of title insurance:

  • Lenders title insurance, also called a Loan Policy:
    The Loan Policy is usually based on the dollar amount of your loan and protects the lender's interests in the property against a problem with the title. The policy coverage decreases each year and disappears as the loan is paid off.
  • Owner's title insurance:
    Owner's title insurance, in the amount of the real estate purchase, is purchased for a one-time fee at closing and lasts as long as you or your heirs have an interest in the property. Owner's title insurance fully protects the buyer should a problem arise with the title that was not uncovered during the title search, and pays for any legal fees involved in defending a claim to your title.

By conducting a title search, an agent looks at past versions of the title and related contracts to make sure that all the owners have received the title properly (for example, after paying off all the necessary liens or mortgages). If there are any defects ("clouds"), these need to be rectified before any new transfer of the title is closed. A good title insurance policy will protect you against any reasonable losses, or if any defects are discovered despite your best efforts. Of course, the title policy won't cover clouds that crop up after you buy the property.

Title insurance is a relatively inexpensive item and can be one of the best purchases you'll make for your new home. Please ensure you complete the quotation form below as accurately as possible. If you would rather speak to one of our representatives, please Call (973) 836-0310 or e-mail: title@horizoncoast.com to setup a confidential consultation.

 
Completion of this form is for informational purposes only, and is just an estimate and is not a statement of contract. Coverage may not apply in all states. This WILL NOT result in a new policy, or change to an existing policy. For complete details of coverage, conditions, limits and losses not covered, be sure to read the policy, including all endorsements
   CLIENT INFORMATION
Contact Name:
Firm/Company Name:
Street Address:
City:
State:
Zip Code:
Phone:
Fax:
E-Mail Address:
  TITLE SEARCH INFORMATION
Title Search:
Purchase Search
Refinance Search
Other, Specify:
Mortgage Amount:
Sale Price:
Coop Name (if applicable):
Loan/Reference Number:
Mortgage Lender (if available):
Survey Instructions:
Municipality/Dept. Instructions:
Standard Search by County
Tax and Bankruptcy Only
  PROPERTY INFORMATION
Street Address:
City:
County:
State:
Zip Code:
District:
Section:
Block:
Lot:
  PARTICIPANT INFORMATION
Owner #1:
 SSN:
Owner #2:
 SSN:
Purchaser #1:
 SSN:
Purchaser #2:
 SSN:
  LENDER INFORMATION (if different than applicant)
Lender:
Attention:
Street Address:
City:
State:
Zip Code:
Phone:
Fax:
Email Address:
  LENDER'S ATTORNEY
Firm:
Attention:
Street Address:
City:
State:
Zip Code:
Phone:
Fax:
Email Address:
  PURCHASER'S ATTORNEY (if different than applicant)
Firm:
Attention:
Street Address:
City:
State:
Zip Code:
Phone:
Fax:
Email Address:
  SELLER'S ATTORNEY
Firm:
Attention:
Street Address:
City:
State:
Zip Code:
Phone:
Fax:
Email Address:
Please give any additional comments you feel appropriate for this quotation
 
 
     
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