Virginia Title Company

Most homeowners are familiar with the term title insurance, but only have a vague idea of what it does and why it is needed. The short answer is that title insurance is an insurance policy that protects you against loss if someone else makes a claim against your ownership.


When you purchase a home in Virginia, you’re buying the title to the property in question. The title gives you the right to reside in and use this property. There are rare circumstances in which someone may contest the title and claim that they are the rightful owners, based on past rights or claims asserted by others. At best, a contested title is an inconvenience, but at worst, it can result in you losing money or even your home.


Title defects that can result in a claim in Virginia include:

  • Liens on the property

  • Failure of spouses to join in conveyances

  • Deeds, wills, releases, or other legal documents that have been forged

  • Public record errors

  • Missing or undisclosed heirs

  • Unprobated wills

  • Deeds from people unable to enter into contracts (minors, illegal aliens, persons of unsound mind)

  • Deeds from defunct companies or corporations

  • Mistakes in legal documents

The benefit of having title insurance is that your court costs and all related fees will be paid if a claim is made against your property in Virginia. Additionally, your title insurance carrier will provide a legal defense for you in court. If the claim proves to be valid, your title insurance will reimburse you for your loss up to the face value of the policy.


Just like any other insurance, you may feel like title insurance is not needed because the likelihood of a claim is low, but you never know what the future holds. If a claim does come up, it’s important to have protection, which is why lenders require title insurance.


It’s common for homebuyers and sellers to use the Virginia title insurance company recommended by their lender or real estate agent, but the title insurance company you choose can impact your residential real estate closing experience, so it’s important to find a provider you can trust. Contact American Guardian Title today to learn more.

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