Title Insurance
Protecting Your Property Rights with Confidence
Why Title Insurance Is Essential
Title insurance is not just another formality at closing—it’s the backbone of ownership protection. Unlike other insurance policies that protect against future events, title insurance defends against past issues connected to your property’s history.
- Legal Ownership Assurance – Confirms your clear and undisputed rights to the property. This assurance is the foundation of real estate security—without it, your investment is vulnerable to claims that could take years and significant legal fees to resolve.
- Protection Against Hidden Issues – Shields you from unexpected claims such as forgotten liens or unrecorded easements. This protection allows you to focus on enjoying your new property instead of worrying about what might emerge later.
- One-Time Premium, Lifetime Coverage – A single closing payment safeguards your ownership for as long as you hold the property. For a single premium, you secure a lifetime of peace of mind, knowing that if any covered issues ever arise, your policy will step in to protect both your ownership rights and your finances.
Types of Title Insurance Policies
Not every policy is the same. Secure Title helps you choose the coverage that best fits your situation:
- Owner’s Policy – Protects the buyer’s ownership rights and investment in the property. This policy remains in effect for as long as you or your heirs own the property, making it an essential safeguard for your investment.
- Lender’s Policy – Protects the mortgage lender’s financial interest in the property until the loan is paid. While it doesn’t protect the buyer’s personal rights, it ensures that the lender’s claim to the property remains valid in the event of title disputes.
- Enhanced Coverage Options – Additional protection for risks such as zoning disputes or building permit issues. For buyers investing in commercial properties or complex transactions, enhanced coverage can provide an additional layer of confidence and financial security.
Benefits of Title Insurance for Buyers and Sellers
Title insurance provides advantages to everyone involved in a transaction:
- For Buyers – Confidence that the property is legally yours and protected against future claims. Title insurance ensures that commitment is protected. For buyers, the benefits include peace of mind that their ownership is secure.
- For Sellers – Title insurance doesn’t just benefit buyers. Sellers gain the assurance that outstanding title issues won’t jeopardize the sale.
- For Lenders – Lenders rely on the property to serve as collateral for the mortgage loan. If ownership of that property is ever challenged, their investment is at risk. A lender’s policy ensures that their financial interest remains protected, allowing them to issue loans with greater confidence.
Common Title Problems That Insurance Prevents
Real estate ownership can be complicated, especially when a property has passed through multiple hands. Title insurance guards against common but costly risks:
- Clerical or Recording Errors – Mistakes in deeds or legal descriptions that cloud ownership. Title insurance ensures you’re protected from the consequences of such mistakes, covering the expense of correcting them and preventing ownership challenges down the line.
- Undisclosed Heirs or Ownership Claims – Inheritance disputes surfacing after purchase. This is especially important in cases where properties have been passed through generations and ownership records may not be fully accurate.
- Liens and Encumbrances – Unpaid debts tied to the property such as taxes or contractor bills. Title insurance prevents you from being held liable for debts that aren’t yours by covering these claims and protecting your financial interests.
- Fraudulent or Forged Documents – Fake deeds or unauthorized transfers affecting ownership rights. With title insurance, you are covered for both the legal defense and potential financial impact of fraud-related claims, ensuring your ownership remains protected even in the face of deliberate wrongdoing.
Our Services
The Title Insurance Process with Secure Title Company
Our step-by-step process ensures nothing is overlooked:
Initial Title Search
Review property history for claims, liens, and errors. By identifying potential risks early, we create a clear picture of the property’s status.
Examination of Records
Next, our experts review the findings in detail to determine whether the property’s title is legally sound. Analyze public records for ownership validity.
Issue Resolution
Our goal is to deliver a clean title so your transaction proceeds without obstacles. Address problems like unpaid liens or unclear ownership.
Policy Issuance
Once all issues are addressed, we finalize and issue your title insurance policy. From that moment forward, your ownership rights are protected.
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What our clients are saying
How Secure Title Company Protects You
At Secure Title Company, we go beyond issuing policies. We provide a meticulous process that minimizes risk before you even reach the closing table.
Comprehensive Title Search
We examine ownership history, deeds, liens, and easements to identify risks early. By conducting a thorough search, we minimize surprises later in the transaction and give you confidence in your purchase.
Risk Resolution
Issues are resolved before closing, from unpaid taxes to title defects. Whether it’s clearing debts, amending documentation, or securing necessary releases, our proactive approach ensures that you walk into your closing with a clean title.
Local Knowledge & Expertise
Decades of experience across Fargo, West Fargo, Moorhead, ND, MN, and WI give us insight into local requirements. This expertise reduces delays and ensures your transaction moves forward without unnecessary hurdles.
When you partner with Secure Title, you’re not just buying insurance—you’re buying peace of mind.
Every state has different property laws and regulations. At Secure Title Company, we understand the unique requirements of North Dakota, Minnesota, and Wisconsin. From local recording offices to state-specific compliance, our expertise ensures your policy is tailored to the region where your property is located.
Frequently Asked Questions (FAQs)
Title insurance covers financial losses and legal defense costs related to ownership disputes, liens, or errors in the property’s title history.
Lenders typically require a lender’s policy, but owner’s title insurance is optional. However, most buyers choose it for long-term protection.
The cost varies depending on the property value but is paid only once at closing. Unlike other insurances, there are no recurring premiums.
Yes. The lender’s policy protects the bank’s interest, while the owner’s policy protects your ownership rights.
Your title insurance will cover the cost of resolving the lien, protecting you from financial loss.
Absolutely. If fraudulent documents or forged signatures are discovered in the property’s past, your policy provides coverage and legal defense.
Yes. Once purchased, owner’s title insurance lasts as long as you or your heirs own the property.
Title insurance is especially important for FSBO transactions, where fewer professional safeguards exist.
A home inspection reviews the physical condition of the property, while title insurance protects against legal ownership issues.
Because we combine local expertise with thorough research, proactive issue resolution, and personalized support, ensuring your investment is fully protected.
Let’s Make Your Closing Simple and Secure
Have questions or ready to start? Reach out to Secure Title today and experience a smooth, hassle-free closing process.