Title Products

Owner's Title Policy: ALTA
ALTA for the homeowner—American Land Title Association's standard version of coverage for all parties requesting coverage that includes lenders, real estate and closing professionals.

The homeowner can receive the protection of a title insurance policy against hidden risks or undiscovered interests, against loss due to defects in your title that were not discovered at the time of the sale.

Protection Provides: Protection from financial loss due to covered claims up to the face amount of the policy, payment of legal costs against legal defense of the claim, and payment of successful claims against the title to your home covered by the policy, face amount. Some common hidden risks include false impersonation, forged documents, any form of invalid deeds, fraud, liens for unpaid estate inheritance, unrecorded easements and undisclosed heirs.

Owner's Eagle Policy
ALTA Eagle Protection Homeowner's Policy. The eagle protection homeowner's policy was created to benefit homeowners and real estate professionals, to provide extra coverage. It includes coverages such as post-policy coverages, defects that did not exist until after the insured purchased the property. The policy amount increases annually for five years as a hedge against inflation. It provides protection in situations that homeowners and agents could never predict such as expanded access, building permit and zoning violations, encroachment by boundary walls and fences, and restrictive covenant violations.

Why Eagle Protection? For homeowners, there is a need for more coverage traditionally not offered by title insurers like post policy matters or previous endorsement additions. For the real estate closing professionals, we saw a need to reduce homeowner's concerns that created callbacks and professional challenges arising from incidents not covered by title insurance.

Litigation Guarantee Policy
The guarantee insures that title to the estate described is vested properly and all parties that have interest in the property are listed in the guarantee ($300 fee for a liability of $3,500 / $400 fee for a liability of $15,000)

Limited Coverage Policy
This coverage is primarily restricted to matters of record and designed for secondary mortgages or for private party individuals that wish to insure their mortgage.

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

ALTA Eagle Loan Policy
ALTA loan policy with eagle protection -- extra protection for the mortgage lender. The policy will benefit the lender by including the coverages and other policy features lenders have often asked for by endorsement, as well as, many new coverages that no title insurer has ever provided before.

Title Binder
The binder allows the owner to receive a subsequent policy at a greatly discounted price. It commits to future policy insurance on the same transaction within two years of purchase.

Status Report
Preliminary title report only, no policy insuring the property thereafter.

Lien & Financing Statement Report
This report picks up all financing statements and liens pertaining to the party or entity the customer requests. Such liens include judgements and notice of liens but does not include mortgages.