Title Insurance

Important Pointers to help you understand it…

Title Insurance is unlike most other insurances! It protects against problems of the past, so that you can have peace of mind for the future of owning your home or property. The Property Closers brings together a team of experts you can trust.

Title Insurance is obtained and paid for as a one time fee by a home buyer or homeowner when you close on a real estate transaction (purchase or refinance). This is different than other insurances that must be paid ongoing as a monthly or yearly fee. The Property Closers provides both needed services during a transaction: Closing Process and Issuing Title Insurance.

A lender providing mortgage financing for a property (purchase or refinance) will almost always require title insurance. However, it is your choice as the buyer in the state of Pennsylvania to CHOOSE a reputable closing company that does the work for you. Exercise your right, choose a great company with fair fees for excellent service and communication… choose The Property Closers.

While your lender will require you to purchase a Loan Policy during your transaction, that policy only ensures that the lender has a valid, enforceable lien on the property if you do not fulfill your repayment obligations. The Property Closers can also provide an Owner’s Policy that helps protect you as the homeowner. Let us educate you on an Owner’s Policy and its protection benefits to you and your heirs.

“Hidden Defects” can remain undisclosed for months or even years, even after the most careful search of public records. Obtaining the right Owner’s Policy helps to protect you against prior defects that may arise. The Property Closers can walk you through the process of protecting yourself as a homeowner.

Pennsylvania Title Insurance is unique in that its rates are promulgated- meaning that the rates cannot vary between title agencies and underwriters. The title insurance rate you will be charged is calculated according to the value of the home or property. Please see the rate
calculator we provide to ensure you are being quoted the correct title insurance rate by any company you are shopping. The Property Closers ensures that you are being fairly charged and afforded the highest standard of services needed to get you to the closing table efficiently
and protect you as a homeowner and purchaser of real estate.