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Titles >Do You Really Need Title Insurance

When a home is purchased, title insurance is one of the closing cost items on the closing statement. This insurance protects the buyer from defects in the title that are not discovered until after the closing. There are two kinds of title insurance--coverage that protects the lender for the balance of the mortgage if the buyers have a loan, and coverage that protects the buyers' equity in the property.

It is prudent to purchase owners' coverage because most of the title problems that arise after a closing are not from a sloppy title search, but are the result of inaccurate information in the public records. The ownership chain goes back a long way, and fraud or misrepresentation anywhere in the chain could mean big problems. Title insurance will protect you if a wife or husband did not properly sign off on the ownership papers or if the property was sold as part of an estate that was later disputed. Most people do not have to deal with the title insurance company after the closing, but this coverage could save your investment if a problem arises.

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Q	What does the term Curb Appeal mean?
A	This term describes how homes look from the street; this first impression is very important to prospective homebuyers.
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Linda Lombardini, REALTOR®, real estate agent and broker for Ann Arbor, Ypsilanti and Chelsea Michigan home listings, property and land for sale - NUMBER1EXPERT(tm)

Linda Lombardini
Trillium Real Estate
323 Braun Court
Ann Arbor, MI 48104
Office: 734-302-3011
Fax: 734-302-3099
Mobile: 734-216-6415
Text Me: 734-216-6415
Email: LindaLom@TrilliumRealtors.com
Call or Text Linda at 734-216-6415. Linda Lombardini has been a Realtor since 1991. Her expertise is in educating and counseling her clients so that they may make sound real estate decisions. She is known throughout the Ann Arbor marketplace for her high level of integrity that she brings to her real estate practice. Linda serves on the Ann Arbor Area Board of Realtors as a director, and is a member of the Grievance and Professional Standards Committees. She has also served on numerous non profit boards and city of Ann Arbor task forces and committees. Linda’s expertise is in helping people buy or sell residential real estate, including homes, condos, new construction and vacant land in the Washtenaw County and surrounding areas, including Ann Arbor, Chelsea, Dexter, Grass Lake, Milan, Pinckney, Saline, Whitmore Lake and Ypsilanti. Linda also represents Living Space, Inc., a premier GREEN Builder in Ann Arbor.

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