Title insurance protects real estate owners and lenders against any property loss or damage they might experience because of liens, encumbrances or defects in the title to the property. Each title insurance policy is subject to specific terms, conditions and exclusions. Insurance such as car, life, health, etc., protects against potential future events and is paid for with monthly or annual premiums. A title insurance policy insures against events that occurred in the past of the real estate property and the people who owned it, for a one-time premium paid at the close of the escrow.
Title insurance protects against claims from defects. Defects are things such as another person claiming an ownership interest, improperly recorded documents, fraud, forgery, liens, encroachments, easements and other items that are specified in the insurance policy.
Ladizki Law Offices is proud to be an agent for the following title companies.
- Connecticut Attorneys Title Insurance Company
- First American Title Insurance Company
- Old Republic National Title Insurance Group
Attorney Ladizki is an approved Real Estate Closing Agent for many local banks and national mortgage companies, and can represent you upon your request to your lending institution. Attorney Ladizki is an Agawam MA real estate attorney.