This statement is untrue: the title to your house is clean.
Now, if your home title is clean, then the statement is false, which means your home title has an issue.
…On the other hand, if your home title has an issue, then the statement is true (as being untrue), which means you do not have a title issue.
You could sit there and try to work that out…or you could just get Owner’s Title Insurance.
Owner’s Title Insurance offers financial protection to homeowners in any scenario.
Even if you get a title search, you cannot say conclusively that your property title is clean. A title search can only see what’s in public records. It doesn’t account for an old deed in somebody’s sock drawer, or a clerical error, or a previously unknown heir (they happen!!).
While a title search is a necessary precaution to deal with any known problems, Owner’s Title Insurance covers the hidden risk of possible title challenges.
Furthermore, title insurance is low cost, and it’s a premium you pay only once, which covers you for as long as you own the property…and forever after you convey it, covering your financial liability for your link in that chain of title.
Logical Conclusion: Owner’s Title Insurance is the most cost effective way to financially protect yourself from title issues on your property from now through forever.