Title Insurance: What Is Title Insurance and What Does It Cover?
In some states, real estate lawyers double as title agents, providing a layer of legal oversight during the transaction.
In many states (like Texas), the base premium is set by the state, so the price will be the same everywhere. where to buy title insurance
Even if premiums are fixed, companies charge different amounts for searches, wire transfers, and courier services, which can add hundreds to your final bill.
A company that understands your specific county's quirks will catch errors (like boundary disputes or unrecorded easements) that a distant national call center might miss. Title Insurance: What Is Title Insurance and What
Ask how they protect your wire transfers; wire fraud is a massive risk in modern real estate.
These local firms handle the title search and closing process. They act as agents for large national underwriters. Examples include Land Title Guarantee Company or Cherry Creek Title Services . Even if premiums are fixed, companies charge different
If the home was recently sold or refinanced, you might be eligible for a reissue discount of up to 40% if you use the same underwriter that insured the previous owner. Quick Selection Checklist