Our Owner's Policy

Before an owner’s policy is issued, a title search is conducted of public records, maps and documents. The records trace back to colonial estates, pioneer homesteads or Spanish land grants, and forward to the current owner. Only after collecting, examining and interpreting appropriate records is a policy issued insuring the condition of title.

Besides describing your property and spelling out any recorded limitations on your ownership, a title insurance policy clearly explains what your policy covers in the event that a flaw in the title is discovered or your rights of ownership are challenged.

In simple terms, your policy will:

1. To defend your title in the courts, as insured, at our expense.
2. To correct or clear the title when possible.
3. To promptly pay you for your loss in the event of an unsuccessful defense of your title.

This is in effect two policies in one. One provides coverage for legal expense to defend title. The other provides for reimbursement in the event of a loss.