Please don’t make the mistake of believing that all Title Insurance Policies are the same. Non-Attorney owned Title Agents will try to convince you of that, but the reality is that most Title Agents produce title insurance policies without explaining to Purchasers the exceptions contained therein. It is these exceptions that a Buyer must understand in order to truly appreciate the value of the title insurance being presented. With over 15 years of experience, our job is not only to provide title insurance, but it is also to educate our Buyers of the matters not insured by their policy. At its core, the purpose of title insurance is to eliminate the of risks of defects not discovered through a certified title search, and insure losses caused by defects in title arising out of events that have happened in the history of title. The title insurance policy states that if the status of title to a parcel of real estate is that other than as represented in the policy, and if the insured suffers a loss because of that title defect, the insurer will reimburse the insured for that loss and any related expenses, up to the face amount of the policy, with certain exceptions. It is vital to not only know your coverage, but to understand your non-coverage.