Do you ever wonder what title insurance is and why you need it?

Do you ever wonder what title insurance is and why you need it?

I often get questions about the necessity of title insurance?  Well, here are a few answers to your questions given by a title agent.

  • What is title insurance? 


  • An insurance policy-protecting against loss should the condition of title to land be other than as insured.


  • Why do I need title insurance?


  • When you buy a home, or any property for that matter, you expect to enjoy certain benefits from ownership. For example, you expect to be able to occupy and use the property as you wish, to be free from debts or obligations not created or agreed to by you, and to be able to freely sell or pledge your property as security for a loan. Title insurance is designed to cover these rights.


  • What does it cost?


  • The cost varies, depending mainly on the value of your property. The important thing to remember is that you only pay once, then the coverage continues in effect for so long as you have an interest in the covered property. If you should die, the coverage automatically continues for the benefit of your heirs.


  • Can you be a little more specific about the types of claims, or risks, covered by title insurance?


  • There are basically three different levels of coverage: Standard, Extended, and our most comprehensive “EAGLE Policy”, which is also referred to as the ALTA Homeowner’s Title Insurance Policy.  Each policy has a variety of coverage items.  For a detailed list of covered risks, visit

The experience of our escrow and title personnel is one of the qualities which sets First American apart.  If you or your clients have additional questions about any of the above  please feel free to contact me.  Thank you for considering First American Title on your next transaction.

For any additional information on this or other title questions please do not hesitate to call myself, Lydia Wietsma at 602.363.1720 or fill out the form below.  All information was provided by

Tisha Hernandez    

 Escrow Officer

4500 S. Lakeshore Drive, Suite 130, Tempe, AZ 85282
direct: 480.734.2507 / office: 480.777.0051
eFax: 866.417.0638 / email:

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