I didn’t realise that just because you buy a house or property, it doesn’t necessarily mean that it is yours. Problems can arise from past ownership and the previous owner, the owner’s family or heirs of the previous owner could have rights or claims in the property you are buying.

Ensuring that you are getting a clear title when purchasing real estate is essential. This information is generally available in the public records but you can protect your real estate from undiscovered claims by purchasing title insurance. Title insurance companies can do a thorough search of the public records and offer protection to you against any reported claims against your property.

As with a lot of major investments, there can also be hidden risks and your title insurance can protect you from fraudulent impersonation, incompetency or other unknown errors. Your title insurance company can defend your title, in court if necessary, at no cost to you.

Real estate is often the family’s most valuable asset. You want to ensure that you are purchasing a property with a clear title and by insuring yourself and your proerty from future claims, you know that you are providing security for yourself, your family and your heirs.

Doing your research before purchasing real estate can save you a lot of heartache and financial loss.

Are you protected?