Scarsdale, Hartsdale and Ardsley New York real estate listings, home buying, selling and relocation information

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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 land did the U.S. Government buy for $7.2 million?
A	The U.S. bought all of Russian America (Alaska) from the Russian Czar in March 1867.
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Miriam Bernstein, REALTOR®, real estate agent and broker for Scarsdale, Hartsdale and Ardsley New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Miriam Bernstein, ABR, CRS, GRI, ePro
RE/MAX Prime Properties
696 White Plains Road
Scarsdale, New York 10583
Direct: 877-881-0626
Cell: 914-907-1922
Fax: 914-290-4647
SKYPE: Miriam642
Email: miriam@miriambernstein.com
I have been a full time REALTOR for the past 15 years. I have continued my education and have earned the Certified Residential Specialist (CRS), Accredited Buyer's Representative (ABR), Senior Real Estate Specialist, Certified New Home Specialist, e-Pro Internet Specialist and the Graduate, Realtor Institute designations. I am a marketing specialist with a substantial internet presence. I also work as a Buyer's Agent and will search out properties throughout Westchester County if they are appropriate for you. Give a call, no pressure, I promise.

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