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What Is Title Insurance—and Why Does It Matter?
When you buy a home, you’re making one of the biggest investments of your life. But did you know there could be hidden risks in your property’s history that might affect your ownership? That’s where title insurance comes in. At Unico Title and Escrow, we ensure your investment is protected, so you can focus on creating a home—not worrying about surprises.
What Is Title Insurance?
Title insurance is a one-time policy that protects your ownership rights to a property. It ensures that when you buy a home, the title—or legal ownership—is free from defects, disputes, or hidden issues. Unlike other types of insurance that protect against future risks, title insurance safeguards you from problems in the past.
Protect Your Investment
Title issues can arise at any time, even years after you’ve purchased your home. These might include:
- Unknown liens or unpaid debts tied to the property.
- Errors in public records or fraudulent transactions.
- Ownership disputes due to previously unknown heirs.
A title insurance policy ensures you’re protected financially if these issues ever surface.
Peace of Mind at Closing
Buying a home is already a complex process, and the last thing you need is unexpected problems. Title insurance gives you confidence that your ownership is secure, allowing you to enjoy your new home without worry.
Legal Defense
If a title dispute arises, title insurance covers the legal costs of defending your ownership, saving you time, stress, and money.
How Does Title Insurance Work?
Before closing, our team conducts a thorough title search to uncover any potential problems with your property’s history. If an issue is found, we work to resolve it before you take ownership. Once the transaction is complete, your title insurance policy ensures you’re protected from any issues that were missed or might arise in the future.
Lender’s vs. Owner’s Title Insurance
There are two types of title insurance:
- Lender’s Policy: Required by most lenders, this policy protects their investment in your property.
- Owner’s Policy: Optional but highly recommended, this policy protects you—the homeowner—and your financial interest.
For the best protection, we recommend securing both types of coverage.
Why Choose Us?
We’re not just another title company—we’re your partner in creating a smooth, enjoyable home-buying experience. Here’s what sets us apart:
Local Expertise
Knowledge of the Maryland/Virginia market.
Efficiency
Streamlined processes for faster closings.
Innovation
Technology-driven solutions to simplify transactions.