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.

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Keith Robertson
Top Guns Realty
12828 Hwy 105 West
Conroe, TX. 77304
936 588-4006
936 522-6100
Fax: 936 588-4040
Email: keithrobertson@NUMBER1EXPERT.com

Keith Robertson's enthusiasm for real estate isn't the only reason he has been a multi-million dollar sales producer year after year since 1989 - it's also because the profession demands the skills he has used all of his adult life.
A father of four, a military veteran and a management professional before entering into real estate, Keith has long been active in the community he now serves. As a member of the Lions Club, Kiwanis Club, the American Legion, VFW and two Chambers of Commerce, he has gained a keen understanding of the heart and soul of the area.

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