There are few things in life more important than protecting your home. The following matters are examples of why you need a Title insurance policy. Remember that the best title examination or search cannot protect your equity and home from matters not appearing in the public records. However, a Title policy* can protect you from:

• Documents executed under false, revoked or expired powers of attorney.
• False impersonation of the true land owner.
• Undisclosed heirs
• Improperly recorded legal documents.
• Prescriptive rights in another not appearing of record and not disclosed by survey.
• Failure to include necessary parties to certain judicial proceedings.
• Defective acknowledgements due to improper or expired notarization.
• Corporate franchise taxes as liens on corporate real estate assets.
• Gaps in the chain of title.
• Mistakes and omissions resulting in improper abstracting
• Forged deeds, mortgages, wills, releases of mortgages and other instruments.
• Deeds by minors.
• Deeds which appear absolute, but which are held to be equitable mortgages.
• Conveyances by an heir, devisee or survivor of a joint estate who attempts to attain title by ill-gotten means.
• Inadequate legal descriptions.
• Conveyances by undisclosed divorced spouses.
• Duress in execution of wills deeds and instruments conveying or establishing title.
• Issues involving delivery of conveyancing instruments.
• Deeds and wills by persons lacking legal capacity.
• State inheritance and gift tax liens.
• Errors' in tax records.
• Demolition and substandard building liens.
• Administration of estates and probate of wills of missing persons who are presumed deceased.
• Issues of rightful possession of the land.
• Issues concerning the rightful conveyances by corporate entities
• Deeds and mortgages by foreigners who may lack legal capacity to hold title.
• Legal capacity of foreign personal representatives and trustees.<
• Issues involving improper marital status.
• Improper modification of documents.
• Rights of divorced parties.
• Conveyances in violation of public policy.
• Misinterpretation of wills and ancillary instruments.
• Deeds by persons falsely representing their marital status.
• Claims by creditors of decedent against property improperly conveyed by heirs and devisees.
• Issues concerning unlawful takings by eminent domain or condemnation.
• Special tax assessments.
• Real estate homestead exceptions.
• Forfeitures of real property due to criminal acts.
• Issues concerning adoption of children.
• Conveyances and proceedings affecting rights of military personnel protected by the Soldiers'and Sailors'Civil Relief Act.
• Issues concerning interests noted in financial statements filed under Uniform Commercial Code.
• Interests arising by deeds of fictitious parties.
• Adverse possession.
• Lack of jurisdiction or competency of persons in judicial proceedings. Community property issues.
• Utility easements.
• False affidavits of death or heirship.
• Intestate estate.
• Intestate estates.
• Probate matters.
• Federal estate and gift tax liens.
  (* Subject to certain limitations set forth in the policy)