Why Do I Need Title Insurance


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Millions of dollars are involved in title disputes every year. When you consider this and the fact that the largest and most important investment you probably will ever make is your home, certainly you will agree that it is a wise precaution to safeguard the security of your investment. Title troubles not disclosed by the most diligent search of the public records – called hidden hazards – are the most dangerous. Owners title insurance issued by MERIDIAN TITLE protects you as well as your heirs from financial loss caused by these hidden hazards. Here are 44 title troubles that an owners policy from MERIDIAN TITLE can protect you against: *

  • False personation of the true owner of the land.
  • Forged deeds, mortgages, releases of mortgages, wills, etc.
  • Instruments executed under fabricated or expired power of attorney.
  • Deeds delivered after death of grantor or grantee, or without consent of grantor.
  • Deeds to or from defunct corporations.
  • Undisclosed or missing heirs.
  • misinterpretation of wills.
  • Deeds by persons of unsound mind.
  • Deeds by minors.
  • Deeds by aliens.
  • Deeds by persons supposedly single but secretly married.
  • Birth or adoption of children after date of will.
  • Surviving children omitted from a will.
  • Mistakes in recording legal documents.
  • Inadequate legal descriptions.
  • Errors in tax records.
  • Duress in execution of instruments establishing or conveying title.
  • Defective acknowledgements due to improper or expired notarization.
  • Marital rights of spouse purportedly, but not legally, divorced.
  • Legal descriptions apparently, but not actually, adequate.
  • Gaps in the chain of title.
  • Deeds in lieu of foreclosures given under duress.
  • Discovery of will of apparent intestate.
  • Errors in indexing.
  • Falsification of records.
  • Administration of estates and probate of wills of persons absent but not deceased.
  • Improper conveyances by corporate entities.
  • Legal capacity of foreign fiduciaries.
  • Claims of creditors against property sold by heirs of devisees.
  • Deed of community property recited to be separate property.
  • Adverse possession.
  • Rights of divorced parties.
  • Deed from a bigamous couple.
  • Unlawful taking by eminent domain or condemnation.
  • Issues involving delivery of conveyance instruments.
  • Want of jurisdiction of persons in judicial proceedings.
  • Ultra vires deed given under false corporate resolution.
  • Corporation franchise taxes, a lien on all corporate assets.
  • State inheritance and gift tax liens.
  • False affidavits of death or heirship.
  • Matters concerning adoption of children.
  • Title interests arising by deeds from fictitious parties.
  • Intestate estates.
  • Erroneous reports furnished by tax officials.

*Subject to certain limitations stated in the policy

Make sure that the security of your investment will be safeguarded by the best title insurance obtainable...

800.777.1574 • meridiantitle.com

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