- Title InsuranceA title insurance policy ensures a new owner that his/her title is free and clear of any possible encumbrances and that he/she has a clear title from the seller. It also ensures that the new owner will be protected from loss or damages as a result of defects, such as forged deeds, mistakes in public record, fraud and false impersonation of the trust owner of the property. A thorough search of the records by Reliable Title Company will reveal any liens, claims or encumbrances that affect the property. The two basic types of title insurance policies are the Owner’s Title Policy, which insures the owner, and the Mortgagee Policy, which insures the Lender or Mortgagee.
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