A typical title examination includes the search of numerous public documents, including
tax records, court judgments, prior deeds and encumbrances, and federal and state
records. The title agent is looking for items like prior mortgages, judgments, liens,
street and sewer assessments, special taxes and levies, and numerous other
matters that could affect the status and marketability of the title. The customer
will receive a title commitment when title insurance is ordered which is the
results of the title search, so that any issues shown can be corrected prior
to the purchase.
Your title insurance is assurance to you that the land ownership rights that come with your
real estate investment remain yours for as long as you have an interest in your property.
If you encounter a defect with your title, your title insurance policy is there
to protect your interest.