Land Title Blog & Radio Show

Forwards and Backwards – Coverage of Title Insurance

No comments

An owner’s title insurance policy protects the financial interest of a real estate owner should there be a challenge to his ownership. For instance, what if a deed were recorded incorrectly at the courthouse and public records showed two owners for the same piece of land? Yeah, there’d be a day in court for that and one day in court can be very expensive, especially if you have to pay the lawyer yourself! That’s where a title insurance policy protects your financial interest—it pays all legal expenses in the defense of your property ownership.

Title insurance coverage is unique because it reaches both forwards and backwards simultaneously to protect you.

It is good from the day you purchased it backwards. It covers everything that happened before your purchase, including all unforeseen title flaws, and it pays litigation should someone challenge your ownership through a lien, claim, or taxes. Whether or not someone has the right to challenge you, you still have to prove your ownership in a court of law, and that can be cost prohibitive.

For a one-time fee at closing, you can buy an owner’s title insurance policy that insures you into the future, even protecting you after you sell that property through all past hidden claims. Don’t throw away that title insurance policy! Because the contracts and the new title insurance of the buyer require you to convey with warranties, you become responsible for anything that has ever transacted on the property.

Title Insurance is an inexpensive way to protect your now and your future from the flaws of the past.

Stephen CollinsForwards and Backwards – Coverage of Title Insurance

Related Posts


Guess who’s a loyal British colony during the American Revolution?  FLORIDA!  All that messy business at Valley Forge, the Boston Tea Party, the Declaration of Independence—all that happened while Florida was Great Brittan’s 14th American colony. Isn’t that a fun fact? Via the Treaty of Paris, Florida is peacefully ceded from Spain to Great Britain


Anything that can go wrong will go wrong, especially in real estate, which is why you should take appropriate precautions to minimize financial risk, whether you’re buying a home to live in or an investment property. Murphy was a competitive mudder, had him the fastest four-wheel-drive on semi-dry land—‘Murphy’s Mud Bucket.’  Like most of us,

Leave a Reply

Your email address will not be published. Required fields are marked *