The Title Company

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Have you ever wondered what role the title company plays in the purchase of a home? Let us enlighten you.


The primary job of a title company is to ensure that you can legally own a piece of real estate. In order to do this, they make sure that there are no current ties to the piece of real estate. This includes judgments, liens, unpaid taxes, easements, or any other issues that may affect ownership.

Another function of the title company is to provide title insurance. Imagine buying a property and there are years of unpaid taxes or a relative of a previous owner claims the home is legally theirs. Title insurance provides financial protection from instances like theses.  Unlike most insurance policies, you pay a one-time fee for title insurance and it covers the property for as long as you own it. Here are the two types of title insurance:


1)  Lender’s title insurance protects the lender for the amount they are lending.  Lender’s title insurance is required and paid at closing.

2)  Owner’s title insurance financially protects the homebuyer from any unforeseen claims to the property.  If one of the previous examples occurred, the title insurance policy would repay the homebuyer for the unpaid taxes or the value of the home.  Owner’s title insurance is optional coverage, but encouraged.


With so much at stake when purchasing home, it’s important to protect your investment. If you need help finding a title company that you can trust, call us today at 615-933-1000 or send us an email at and we’ll set you up with one of our reputable vendors!

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