Why Title Insurance?
Why buy title insurance? To protect one of the most important investments you will ever make - the investment in your home. Owning real estate is one of the most precious values of freedom in this country. You want the assurance that the property you are buying will be yours. Other than your mortgage holder, no one else should have any claims or restrictions against your home.
Title insurance is issued after a careful examination of the public records. But even the most thorough search cannot absolutely assure that no title faults are present, despite the knowledge and experience of professional title examiners. In addition to matters shown by public records, other title problems may exist that cannot be disclosed in a search. Title insurance eliminates any risks and losses caused by faults in title from an event that occurred before you owned the property.
Title insurance is different from other types of insurance in that it protects you, the insured, from a loss that may occur from matters or faults from the past. Other types of insurance such as auto, life, or health cover you against losses that may occur in the future. Title insurance does not protect against any future faults, but does protect you from risks or undiscovered interests. Another difference is that you pay a one-time premium for a policy that remains effective until the property is sold to a new owner - even if that doesn't occur for decades.
"We used this Title company to purchase our first home a few months ago and they were incredible. They were very accommodating during the onset of new COVID procedures and they were so knowledgeable and responsive."
"Ive been a realtor for over 15 years, and Ive closed transactions for my buyers and sellers at many of the area title companies. Some are good, I would even consider a few to be great. But from the first detail to the last, YHT has gone above and beyond for my clients every time. It would take me several paragraphs to give you all the examples of how the YHT team has helped (and protected) my clients consistently year after year. Thank you Linda, Debbie, Kelley, Deserie, Aida and all the other members of Team YHT! You have helped me grow my business and Im so grateful for your hard work and dedication for all my clients- one file at a time."
"I've closed many transactions at YHT, and they have the experience and knowledge to navigate everything I've thrown at them. Joelyn is fantastic, always responsive and on her game. The office is clean and friendly, my clients are always impressed."
"Marissa is the BEST! Very creative with her marketing ideas. We consider her a member of our team!"
"I've used YHT for almost ever transaction I've had and they are great. I've never had one issue and they are always on the ball with their communication. I also use them for my Open House Marketing and they always provide quality work!"
"Thank you to Your Hometown Title: Linda Landis, Deserie Knight Druce, Debbie Cassenti, and the entire staff for always going above and beyond to make sure our deals get to the table. We appreciate you!
"I have dealt with this title company for years! I would recommend them to everyone! They have always done a great job for my clients."
"Marissa is amazing! Her follow up and responsiveness are excellent. Plus she is really keyed in to what I want & need to do with marketing! And finally, she is delightful to work with!!! "
"The Team at YHT is phenomenal. Linda, Rose & Debbie and the rest have not missed a beat. Extremely caring and professional. BEST title company in the business! Honored to work with them."
"I have been referring YHT to all of my clients for the past 3 years, closing 100s of transactions with their services. This group of professionals work so diligently with a level of communication that makes them stand above the rest. Linda and Joelyn are always responsive and ahead of buyers questions. Their level of expertise has helped me navigate extremely difficult title issues and brought calm to stressful situations. I highly recommend YHT for all real estate related title and settlement services."
"The Ladies of YHT made my first experience a great one for my client and myself! Thank you for the great hospitality and great fast service!"
"Marissa Mohrman is very helpful to me and everyone at Keller Williams. Marissa goes above and beyond in order to facilitate the marketing that we need for our open houses."
"YHT was a total pleasure to work with during this transaction. From the beginning to the closing, everyone at Your Hometown Title did all tasks necessary to get to closing and in a timely manner. I look forward to working with YHT again! "