What is a title?
A title is the evidence, or right, that a person has to the ownership and possession of land. It is possible that someone other than the owner has a legal right to the property. If that right can be established, this person can claim the property outright or make demands on the owner as to its use.
There can be any number of problems that remain undisclosed even after the most careful search of public records. These hidden "defects" are very dangerous and sometimes are not discovered for months or even years after you purchase your home. You could be forced to spend substantial money on a legal defense to protect your rights. The HPT Policy helps protect you against losses and defects and provides legal defense for coverage risks.
Get the right Title Insurance
Your lender only requires that you purchase a Lender's Policy. However, this policy only ensures the lender has a valid, enforceable line on the property. It does not protect you! The HPT Policy, on the other hand, is designated to protect you from title discrepancies.
How much does title insurance cost?
The single premium is directly related to the value of your home. Typically, it is less expensive than your annual auto insurance. It is a one time only expense, paid when you purchase your home. Yet it continues to provide complete coverage for as long as you or your heirs own the property.
Protect your investment
The HPT Policy provides the most complete title coverage available, including protection against creditor claims, undisclosed heirs, mistakes in recording, or errors in tax records.
In addition to the coverage provided in the traditional Owner's Policy, the HPT Policy offers 19 new expanded coverages for a total of 29 covered risks.
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