Title Insurance in Fredericksburg, TX

Processing the Title Insurance — Property Insurance in Fredericksburg, TX
Once purchased, title insurance remains in effect for as long as you own your home. Title insurance adds security and peace of mind to your ownership.

Just as lenders want security with their loan policy, you should want to protect your new investment with an owner's title policy. For a low, one-time premium you can receive an owner's title insurance policy to protect your property against "hidden risks" or undiscovered interests.

Remember that a policy issued by Fredericksburg Titles, Inc. and underwritten by Stewart Title Guaranty Company, Chicago Title Insurance Company, or Fidelity National Title Company, can help you prevent the potential loss of your property due to these causes as well as many others. If you have any questions about title insurance, feel free to contact us.

Why Title Insurance?

Owning real estate is one of the most precious values of freedom enjoyed in this country. When you decide to buy a new home, you want to be sure the property will be yours and that no one else will have any liens, claims or encumbrances against your home other than your agreed to mortgage. "Hidden risks" such as these are potential problems.

Owner's Policy

The Owner's Policy provides:

Protection from Financial Loss due to covered claims that may be asserted against the title to your home, up to the face amount of the title policy.

Payment of Legal Cost if the title insurer has to defend you title against a covered claim.

Payment of Successful Claims against the title to your home covered by the policy, up to the face amount of the policy.

Hidden Risks

The following are a few of the "hidden risks" that are covered under an owner's policy.
  • Documents executed under false, revoked or expired powers of attorney
  • False impersonations of the true land owner
  • Undisclosed heirs
  • Improperly recorded legal documents
  • Prescriptive rights in another not appearing of record and not disclosed by survey
  • Defective acknowledgements due to improper or expired notarization
  • Corporate franchise taxes as liens on corporate real estate assets
  • Gaps in the chain of title
  • Mistakes and omissions resulting in improper abstracting
  • Forged deeds, mortgages, wills, releases of mortgages and other instruments
  • Deeds by minors
  • Deeds which appear absolute, but which are held to be equitable mortgages
  • Inadequate legal descriptions
  • Errors in tax records
  • And many more...

Loan Policy - Lender

A loan policy insures your lender's security interest against loss due to defects in your title that was not discovered at the time of the sale. The loan policy offers no protection for the homeowner.