Buyers & Sellers

Typically when you think about insurance, you think about auto, homeowners, health or life insurances. Title insurance rarely comes to mind, but if you don't have it and you own your home, the financial and emotional implications may possibly be even more devastating.

What is the difference between lender's and owner's title insurance?

A lenders policy, which all lenders require you to purchase when you borrow money for your home, protects the lender from title claim or failure.

An owners' policy covers you and your heirs against many title claims or failures for as long as you own the property. This is a single premium payment made at settlement and is highly recommended for all purchases.

Our Chicago Title Homeowner's Title Policy protects you against the following:

• Unreleased prior mortgages

• Prior owner liens and judgments

• False impersonation of the true owner of the property

• Forged deeds, releases or wills

• Undisclosed or missing heirs

• Instruments executed under invalid power of attorney

• Errors in recordings of legal documents

• Misinterpretations of wills

• Deeds by persons of unsound mind

• Deeds by minors

• Deeds by persons supposedly single, but in fact married

• Liens for unpaid estate, inheritance, income or gift taxes

• Fraud

Why Wreath?

- Convenient
- Speedy but thorough
- We can come to you
- No time restrictions
- We speak Spanish