What is Title Insurance?

Title Insurance is protection against loss if a covered defect is found in your title.

The Title Search:

After your sales contract has been accepted, a title professional will search the public records to look for any problems with the title. This search typically involves a review of land records going back many years. More than 1/3 of all title searchers reveal a title problem that title professionals fix before you go to the closing.

The Owner's Title Policy:

Sometimes title problems occur that could not be found in the public records or are inadvertently missed in the title search process. To help protect you in these events, it is recommended that you obtain an Owner's Policy of Title Insurance to insure you against the most unforeseen problems.

Owner's Title Insurance, called Owner's Policy, is usually issued in the amount of the real estate purchase. It is purchased for a one-time fee at closing and lasts for as long as you or your heirs have an interest in the property. The Owner's Policy fully protects the buyer should a covered title problem arise with the title that was not found during the title search.

You also have the option of purchasing a policy with expanded coverage. It's called the Homeowner's Policy and it covers more than the Owner's Policy. Contact Land Title and Escrow for an explanation of the expanded Homeowner's Policy so you can decide which policy is the best one for you.

Why do you need Title Insurance?

When you purchase your property, how can you be sure that there are not problems with the home's title and that the seller really owns the property? Problems with your title can limit your use and enjoyment of the property, as well as bring financial loss.

That is what a title search and title insurance is for.

Land Title and Escrow has been providing the real estate industry with professional title and escrow services since 1957.

Land Title and Escrow, Inc. coordinates searches, title products and closing services for commercial, agricultural, and residential transaction throughout counties in South Central Idaho.

Land Title and Escrow can also assist in closing with a qualified intermediary in connection with 1031 exchanges.

It's our Mission...

That the purchase of your new home or real estate to be a satisfying experience.

Land Title and Escrow has experienced, friendly professionals on it's staff to make your time with us comfortable and pleasant.

Land Title and Escrow's goal is to consistently exceed each individual's needs and expectations.