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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 recent hit movie features a field trip scene that supposedly takes place at Columbia University in New York?
A	The scene in the movie "Spider-Man", where Peter Parker shoots photos of Mary Jane and is bitten by the spider, was actually filmed in the Museum of Natural History in Los Angeles, California.
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Denise Amory, REALTOR®, real estate agent and broker for South Fulton, Douglasville and Snellville, Georgia home listings, property and land for sale - NUMBER1EXPERT(tm)

Denise Amory
RE/MAX METRO ATLANTA
1189 S. Ponce deLeon Ave
Atlanta, GA 30306
Cell: 770-833-2167
Office: 404-371-4419
Fax: 404-601-7394
deniseamory@NUMBER1EXPERT.com

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