Brittany Long Sales Executive T: 936.756.2070 C: 936.333.0393 Mitel: 23106 BLong@OldRepublicTitle.com Old Republic Title Old Republic Insurance Group 4507 W Davis St Conroe, Texas 77304 oldrepublictitle.com

Introduction

Hey there, homeowners and future property moguls! Are you thinking about buying some real estate and wondering what this whole “title insurance” thing is about? Well, grab a seat, and let’s break it down for you!

#TitleInsuranceExplained #PropertyProtection101

Title Insurance

So, what exactly is title insurance? Think of it as your trusty shield when you’re venturing into the world of real estate. When you buy a property, title insurance swoops in to save the day and protect you from any pesky ownership title problems that might have lurked around before you arrived on the scene.

These problems could be things like unpaid property taxes (who needs that headache?), sneaky fraud or forgery of previous paperwork (no thank you!), or even some long-lost spouse or unknown heir who suddenly pops up claiming ownership of your dream property (um, not cool).

Fear not! Title companies, like our friends at Old Republic Title Conroe, have got your back. They comb through the title history like pros, fixing any issues that need attention before you officially become the proud owner of your new home sweet home. And if any challenges arise later on, they’ve got your dispute handled!

Now, let’s clarify one thing – title insurance is NOT homeowners insurance! While both are essential for protecting your property, they’re quite different beasts. Title insurance focuses on safeguarding your ownership rights, and you only have to pay the premium once when you close the deal. Homeowners insurance, on the other hand, covers you for losses due to fire, weather, property damage, or theft, and you pay the premium annually.

The Solutions

There are two flavors of title policies: 1⃣ Owners policy: This one’s all about you, the homeowner. It’s like an everlasting bond – it’ll protect you as long as you own the property. 2⃣ Loan policy: This policy looks out for the rights of the lender, ensuring they get their due until the loan is all paid off.

Now, here’s a neat little secret: title policy language in Texas is the same across the board, no matter which title company you choose. You’re covered right from the get-go, although it might take about 30 days after closing for you to get your hands on that precious paper copy. Hold onto it tightly, just like you do with your favorite childhood toy!

Oh, and guess what? The rates are set in stone, so you won’t find any wild variations between Texas companies for title insurance. Sure, there might be slight differences in closing cost fees, but when it comes to the owner’s policy, the cost is based on the property’s sale price, while the loan policy’s cost is tied to the loan amount.

Conclusion

Now, here’s a pro-tip from your friendly neighborhood blogger: Old Republic Title has been rocking the property rights protection game for over 100 years! They’ve been helping Americans like you and me sleep soundly at night, knowing that our precious investments are in safe hands.

So, my savvy property seekers, when you’re ready to take that leap and make one of life’s biggest investments, don’t forget to bring along your trusty sidekick – title insurance! It’s your armor, your defender, and your peace of mind all wrapped into one!

Happy house hunting! #ProtectYourCastle #TitleInsurance #HappyHouseHunting

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