What Your Sacramento Real Estate Attorney Isn't Telling You About Title Insurance
What Your Sacramento Real Estate Attorney Isn't Telling You About Title Insurance
Buying activity in Sacramento is rising. Buyers are asking smarter questions about ownership protection. That leads to the topic on many minds.
What This Coverage Actually Is
What Your Sacramento Real Estate Attorney Isn't Telling You About Title Insurance is a shield against hidden ownership flaws. This shield guards past records, not future damage. Studies indicate clear titles reduce surprise disputes.
How It Works in Practice
A thorough search reviews public history for competing claims. Lenders require lender policies for loan protection. Buyers often need owner policies for full personal security. Research shows insured buyers handle boundary issues with more confidence.
Simple Takeaway
Separate owner coverage from lender coverage.
Q Is a title policy the same as home insurance? A No, home insurance covers events after purchase; title covers past ownership issues.
Q Who pays for the buyer's policy? A Traditionally, buyers cover this cost, though seller concessions can occur in negotiations.
