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Title insurance protects property owners against losses caused by problems that arise regarding the legal ownership of their property. Through no fault of the present property owner, mistakes made in the past could prevent the property owner from having clear ownership or “title” to his or her property. Without title insurance, correcting these mistakes could prove extremely costly.
Sweatman Law Firm not only assists clients in obtaining a title insurance policy and takes the time to ensure clients understand what they are purchasing and explain what issues will and will not be covered by the policy.
Title insurance is available for a low one-time premium calculated based on your home’s cost.
While title insurance varies from company to company, it generally covers costs relating to:
Most title insurance policies also protect homeowners from title fraud. Title fraud occurs when an individual uses stolen personal information or falsified documents to transfer property ownership to himself or herself fraudulently. The individual then arranges to sell the property or obtain a mortgage on it. Once the money for the sale or mortgage is advanced, the individual flees with the money.
Title insurance does not cover anything that is not title-related, such as damage due to fire or flooding or theft. It will also not cover matters such as:
An experienced real estate lawyer can assist homeowners in dealing effectively with these and other matters not covered by title insurance policies.
If you did not purchase title insurance when you purchased your home, you should consider obtaining an existing homeowner title insurance policy. Such a policy can provide invaluable protection even to those who have owned their homes for quite some time as title issues can arise at any time.
To learn more about Title Insurance and how we can help you, contact Sweatman Law Firm online. Our real estate lawyers are committed to representing clients in Oakville, Milton, Georgetown, and throughout Halton Region.
SWEATMAN LAW FIRM OAKVILLE
217 Speers Rd, Unit 14
Oakville, ON, L6K 0J3
Phone: 905.337.3307
Fax: 905.337.3309
SWEATMAN LAW FIRM MISSISSAUGA
1136 Lorne Park Road
Mississauga, ON, L5H 3A4
Phone: 905.822.3111
Fax: 905.822.9103
SWEATMAN LAW FIRM MILTON
245 Commercial St, Unit 101
Milton, ON, L9T 2J3
Phone: 905.875.2400
Fax: 905.337.3309
SWEATMAN LAW FIRM GEORGETOWN
145 Mill St.
Georgetown, ON, L7G 2C2
Phone: 905.877.0121
Fax: 905.337.3309