A loan policy that insures your lender's security interest against loss due to defects in your title that were not discovered at the time of sale. The loan policy offers no protection to the homeowner.

Just as lenders want security with their title policy, buyers should also protect the equity in their new home with a title policy.

For a low one-time premium you can receive the protection of a title insurance policy against "hidden risks" or undiscovered interests.

Your policy should be backed by the reserves and strength of a reputable title insurance company.

The owner's policy provides: 

• Protection from financial loss due to covered claims that may be asserted against the title to your home, up to the face amount of the title policy 
• Payment of legal costs if the title insurer has to defend your title against a covered claim. 
• Payment of successful claims against the title of your home covered by the policy, up to the face amount of the policy.

What kind of protection do I get with Title Insurance?

Some common hidden risks protected under a title policy: 

• Fraud and false impersonation of the true owner of your property by the seller or other persons formerly in title. 
• Forged deeds, releases and other documents. 
• Deeds by persons of unsound mind. 
• Deeds by minors. 
• Invalid documents delivered after the death of the grantor. 
• Undisclosed heirs of former owners of your home or land on which it is situated. 
• Lack of access.

What is the term of a Title policy?

Once purchased, title insurance remains in effect for as long as you own your home. Title insurance adds security and peace of mind to home ownership.

What's the Difference?

The strength of an Underwriter, what level of reserves they maintain and how well they are established. U.S. Title is underwritten by Stewart Title Guaranty Company and First American Title. Two of the Nations oldest and Strongest Title insurers. Basically the service that you receive. Rates are pretty much even across the state of Utah.

Our staff is knowledgeable and has many years experience. Our Title Department has a phenomenal turn around time on orders, and our entire staff is dedicated to customer service, and making sure that your transaction is handled in a friendly, timely and accurate manner.

What happens after I place an order?

1.  The title is searched by highly trained and competent licensed Title Examiners. Copies of the commitment, which reflects who the current owner is and who holds liens on the property, are sent to all the parties involved in the transaction. 

2. Lienholders are contacted for payoff amounts.

3. The closing date is set and documents are drawn.

4. The transaction is closed by our licensed Escrow Officers, and documents are signed.

5. The documents are recorded, monies are disbursed and the buyer has a new house!