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	Title Insurance Industry Links



	Selected Title Insurance Resources American Land Title Association (ALTA) American Bankers Association American College of Real Estate Lawyers American Congress on Surveying and Mapping American Escrow Association American Insurance Association Appraisal Institute Department of Housing and Urban Development (HUD) Fannie Mae Freddie Mac HomePoint.com Independent Bankers Association of America KnowYourClosing.com Handout (PDF) Mortgage Bankers Association National Association of Insurance Commissioners National Association of REALTORS® National Association of Home Builders RealEstateJournal.com RESPA The Independent Insurance Agents of America State Land Title Associations Alaska Land Title Association Arkansas Land Title Association California Land Title Association Land Title Association of Colorado Dixie Land Title Association Florida Land Title Association Illinois Land Title Association Indiana Land Title Association Iowa Land Title Association Kansas Land Title Association Kentucky Land Title Association Louisiana Land Title Association Maryland Land Title Association Michigan Land Title Association Minnesota Land Title Association Missouri Land Title Association Montana Land Title Association Nebraska Land Title Association New England Land Title Association New Jersey Land Title Association New Mexico Land Title Association New York Land Title Association North Carolina Land Title Association North Dakota Land Title Association Ohio Land Title Association Oklahoma Land Title Association Oregon Land Title Association Palmetto Land Title Association Pennsylvania Land Title Association Tennessee Land Title Association Texas Land Title Association Utah Land Title Association Virginia Land Title Association Washington Land Title Association Washington D.C. Land Title Association Wisconsin Land Title Association Arizona, Hawaii, Idaho, Nevada, South Dakota and Wyoming do not currently have land title association web sites. For information about title issues in these areas, please contact the American Land Title Association (ALTA). Shop today for title insurance rates. Contact title insurance companies in your area, keep your closing costs low. click here

What is Title Insurance? Do you need it?

When you buy property, whether it’s a new home, land or other real estate, the title is the legal evidence that the property now belongs to you. During the course of the sale, an extensive title search will usually be conducted to ensure that the person selling the property has the right to transfer it, and to ensure that any outstanding claims against it, such as liens, mortgages, or easements are fully disclosed. Because the system of recording titles in the US is not always completely accurate, disputes regarding property titles can arise, jeopardizing the new owner’s claim to the property in question.

An owner’s title insurance policy protects the buyer against any potential disputes that may arise from insufficient or inaccurate title disputes. The title insurance company issues a policy after a comprehensive title search has been conducted, typically offering coverage in the amount of the purchase price paid. Many times, the title insurance company is chosen “by default” by a mortgage broker or realtor, and many buyers don’t realize that there are other options out there. While the premium for title insurance is usually paid only once, at closing, the differences in costs from one insurer to the next can be significant. As with any insurance purchase, its advisable to consider all your options and choose the title insurance policy that best suits your needs.

Keep Your Closing Costs as Low as Possible

In today’s turbulent real estate market, closing costs are reaching all time highs. The premium for title insurance is typically based on the purchase price of the property; with properties selling for record prices, title insurance premiums are also on the rise. This can drive closing costs to surprisingly high levels, especially if you don’t realize that not all closing costs are set in stone. By shopping around for a title insurance company, you could save thousands of dollars in closing costs.

What many people don’t realize is that if you are paying for the title insurance, you have the right to choose which company to use. You can shop around, find the best deal, and reduce your closing costs by encouraging title insurance companies to compete for your business. At Freetitlequote.com, you can get competing quotes from up to 5 title insurance companies. Because the companies in our network know that they are competing for your attention, you’ll know you’re getting the best possible price on the market.

Protect Your Interests with Title Insurance

There’s no question that any real estate purchase represents a significant investment. Whether you intend to sell in a few years, or hope to make it your lifelong home, the risks of damages from title disputes is very real. While more comprehensive land records systems are being investigated and implemented in the US, the fact is that the existing process for recording titles and transferring ownership has some deficiencies and shortcomings. Defects in the title could lead to financial damages (especially in the cases of unresolved liens and mortgages), inability to sell or otherwise transfer the property, or even outright loss of the property in question. While a title search is usually exhaustive, the potential damages from title defects can be devastating; title insurance is the best form of protection of your investment.

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