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Why You Need Title Insurance

Title insurance will either resolve title issues or reimburse you for the amount of your covered losses. It can eliminate delays and technicalities when passing your title on to someone else and expedited negotiations when you're ready to sell or obtain a loan.

WHAT TITLE INSURANCE PROTECTS AGAINST:
  • Forged deeds, mortgages, satisfactions or releases of mortgages, and other instruments
  • Impersonation of the true owners of the land by fraudulent persons (identity theft)
  • Outstanding prescriptive rights not of record and not disclosed
  • Liens from unpaid estate, inheritance, income and gift taxes
  • Inaccurate or incomplete legal descriptions
  • Mistake in recording legal documents
  • Special assessments which become liens upon passage or resolution and before recordation or commencement of improvements for which assessed
  • Recorded easement, where the actual access path does not follow route described in the granted easement
  • Fraud, duress or coercion in securing essential signatures
  • Invalid, suppressed, undisclosed, and erroneous interpretation of wills






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Hearth & Home Realty, 3981 Highway 19E, Elizabethton, TN 37643
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