21 Important reasons why homebuyers need title insurance

My friend and trusted title escrow officer Pam Atyia offered this great list of reasons why we need title insurance, and I want to pass it along because it’s so good. Owner’s title insurance protects buyers against hidden risks that could possibly be missed by even the most meticulous search of public records:

  1. Forgery
  2. Fraud in connection with the execution of documents
  3. Undue influence on a grantor or executor
  4. False personation by those purporting to be owners of the property
  5. Incorrect representation of marital status of grantors
  6. Undisclosed or missing heirs
  7. Wills improperly probated
  8. Mistaken interpretation of wills and trusts
  9. Mental incompetence of grantors
  10. Conveyance by a minor
  11. Birth of heirs subsequent to the date of a will
  12. Inadequate surveys
  13. Incorrect legal description
  14. Non-delivery of deeds
  15. Unsatisfied claims not shown on the record
  16. Deeds executed under expired or false powers of attorney
  17. Confusion due to similar or identical names
  18. Errors in official tax records
  19. Incorrect indexing
  20. Clerical errors in recording legal documents
  21. Delivery of deeds after the death of the grantor

I would never purchase a property without title insurance. Therefore I will always strongly recommend my buyer clients obtain title insurance. Mortgage lenders will always require title insurance, so for borrowers, you do not have a choice. And that’s for everyone’s protection!

Questions? Call me at (405) 585-6580 or email