What is a DC Title Insurance Policy?

What is a DC Title Insurance Policy?

A DC title insurance policy is a contract of indemnity that promises to pay for a loss up to the face amount of the policy if the state of the title is different than ¡t is set out in the policy and if the insured suffers a loss as a result of the difference.

What Does a DC Title Insurance Policy Cover?

  • A DC title insurance policy should cover claims arising out of title “clouds” that could have been discovered in the public records and “non-record defects” not discovered in records after a complete search. The policy should protect the insured for as long as they, their heirs and devisees, hold title to the property;
  • Purchasers of real estate can risk of serious financial loss due to title defects. Due to the many rights, claims, interests and encumbrances that US law recognizes in real property, ¡t’s important for the buyer to have a title search and examination performed before settlement in order to identify the nature of the title the seller can legally convey, along with the rights and interests of all other parties relating to that particular piece of property;
  • Title policies offer protection available against latent defects of title which do not appear of record such as forgery, impersonation, capacity of parties, faulty acknowledgments and mechanic’s and mechanics liens.

Lender and Owner Policies

Your lender will require DC title insurance to cover the lender against the things mentioned above. This is called the Lender’s Policy. Policy issuers feel buyers should have title insurance for the same reasons. This type of coverage is called the Owner’s Policy. Owner’s policies are optional for buyers. Contact your title company for an explanation of this coverage, its term and cost.

Who Issues Title Coverage?

Your settlement company’s insurance underwriter issues DC title insurance.


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