Title insurance is a policy that protects buyers against any defects in the title. An issue with the title can impact ownership, thus it is standard in a N.C. real estate closing. It is not legally mandatory, but we strongly recommend that you secure this insurance.

Protection

Title insurance protects against:

• Encroachments
• Property line disputes
• Lack of legal access
• Liens

Further, the insurance covers issues that could be potentially costly in having a clear title of ownership.

Opinion of Title

The policy is issued based on the Opinion of Title written by your closing attorney. If you have a mortgage, your lender often requires you to obtain a Mortgage’s Policy of Title Insurance to protect their interests.

We automatically file for the insurance as part of real estate closing process unless you inform of in writing at least seven days before closing that you do not wish to obtain it.