Title Insurance : Closing Costs : Title Insurance Company : Title Search : Title Company : Freetitlequote.com



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	Consumers Enjoy New Access to the Once-Confusing & Closed World of Title Insurance



	Consumer-driven web-based service offers up to five free title insurance quotes from the nation's leading title insurance companies. Tampa, FL (PRWEB) February 12, 2008 -- Like the rest of the real estate industry, the title insurance market is also in a major period of transition. And in this case, transition is a good thing for consumers. "The truth is that many home buyers and owners don't or didn't buy their own title insurance," says Josh Cahill, President of FreeTitleQuote.com. "Few actually exercise their right to purchase their own the title insurance because they believe the process is more complicated than it really is. In reality, though, purchasing it themselves can save them a significant amount of money at closing." This property-saving (and perhaps sanity-saving) insurance has until now traditionally been accessible only through the referrals of mortgage and real estate agents. Before the launch of this website, it would have been nearly impossible to "shop around" for different prices on the title insurance; now, a number of major, reliable title insurers can be accessed through one site, making it a true one-stop title insurance shop. "Consumers no longer have to be at the mercy of realtors and mortgage brokers," Cahill adds. "Now, all they have to do is go to the site and research the title insurance rates for themselves." And on the flip side, title insurers that become members of the FTQ network will enjoy exposure to countless consumers who never before would have been accessible or even thought of us as potential customers. "Especially in a down market," Cahill explains, "title insurance companies that join our national network will be receiving title insurance business that simply was unavailable to them in the past." Ironically, even homeowners who own title insurance are confused as to what it really is, which may be why so many sellers and buyers end up paying too much for it. the Title insurance is meant to protect a lender or owner's financial interest in property against loss due to liens, title defects or a lawsuit attacking the title as it is insured. In short, title insurance protects both lenders and owners against loss that may incur due to disputes over the ownership of a property. "When buying a home and/or property, it is important to realize that that property has likely gone through a number of ownership changes," Cahill went on to say. There is always the possibility that some title transfers were based on forged signatures and other inconsistencies, which is why the protection of title insurance is so important. "At FreeTitleQuote.com, we are empowering home buyers to take charge of their buying process. People shop around for car insurance and homeowner's insurance quotes, why shouldn't they find a good deal on title insurance too?" About FreeTitleQuote.com FreeTitleQuote.com gives customers involved in the home-buying process the ability to request and receive the title insurance quotes from a number of major, reliable title insurance providers and, in the process, save money at closing. For more information or to sign up to receive your customized quotes, visit www.FreeTitleQuote.com. Contact: Joshua Cahill, President FreeTitleQuote.com, LLC 777 N. Ashely Dr., Tampa, FL 33602 1-877-780-8384 Ext. 700



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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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