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Titles >Do You Really Need Title Insurance
When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property.
It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises.
Linda Caleo Pacific Horizons Properties 95-5970 Mamalahoa Hwy PO Box 104 Naalehu, HI 96772 808-929-9000 800-272-5662 808-929-9100
Property ownership in Hawaii can be surprisingly affordable--values abound in all price ranges! Linda Caleo and her team of real estate professionals have been helping Kamaaina (residents) and Malihini (newcomers) fulfill their real estate dreams in the Hawaii paradise for over 15 years. Together, she and her 5-member team bring over 51 years of experience in Hawaii real estate to you. Linda has earned the Graduate Realtors Institute (GRI) designation from the National Association of Realtors. In addition, she is a Certified Residential Specialist (CRS), another coveted NAR designation. Linda is also a Real Estate Cyberspace Specialist, a member of the NAR's Realtor's Land Institute, a member of the Board of Directors of the Hawaii Island Board of Realtors, and holds a Master of Business Administration degree from the University of Iowa.
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