Title Insurance
Title insurance is an essential safeguard for homeowners and real estate investors, ensuring that the property title is clear and free from legal encumbrances that could affect your ownership rights.
When you purchase a property, you're acquiring a title - the legal right to own, use, and enjoy that space. That's where title insurance protects you from past discrepancies like liens, encroachments, or fraud that could threaten your ownership.
Our Title Insurance Services Offer:
Comprehensive Risk Assessment: Before issuing a policy, we arrange a thorough search of public records to identify any existing problems with the property's title.
Peace of Mind: Knowing your property is protected from undisclosed title defects lets you enjoy your investment without worry.
Specific Risk Insurance
Specific risk policies insure risks identified during the due diligence process that need to be mitigated. This allows the property sale to continue swiftly and without delays, protecting the buyer against future issues or financial losses that may foster from identified risks.
Most common risks covered:
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Chancel repair
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Mines and minerals under the land
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Lack of easements/servitudes
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Lack of local authority consent
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Restrictive covenants
All Risk Insurance
All risk policies provide cover where there are no specific issues, but the cover is required against potential unknown risks. This is common where little or limited information is available of the property or to protect against undetected risks. This product aims to provide the insured with complete peace of mind.
Examples of insured events:
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Boundary disputes
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Documents that were not registered against the title or otherwise undiscoverable
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Forgery
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Fraud
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Seller misrepresentation