About A Clear Choice Title & Escrow

One of our primary goals is to go above and beyond just meeting the needs of our customer. We value our clients and appreciate the opportunity to earn your business.

A Clear Choice Title & Escrow transactions are underwritten by Chicago Title. We selected this underwriter for their ability to service residential and commercial real estate transactions, as well as their unparalleled risk management procedures which provide superior protection to our clients.

Our qualified team is fully prepared to provide you with the level of service you require, whether it’s a standard residential transaction or a multi-million dollar commercial transaction. With more than 35 years of combined experience in the title business you can rest assured that your transaction will be completed with the greatest degree of quality, accuracy, and value possible.

Thank you for the opportunity to serve your title insurance needs.

What is Title Insurance?

When a Realtor mentions the need for Title Insurance to their buyer or seller, they usually get a wide range of reactions, since most people are unclear as to what exactly title insurance is and/or what it actually covers.

A Type of Insurance

Basically, Title Insurance is a type of insurance that guarantees ownership interest in real estate. It differs significantly from most other forms of insurance that readily come to mind (like health, hazard, life and even automobile insurance), in that title insurance eliminates risk while the other types assume risk.

The function of most other forms of insurance is simply assuming your risk. These insurance companies provide financial protection to their policyholders by preventing loss arising out of unforeseen future events. In order to keep the insurance in place, ongoing payments or premiums are necessary. No Prior Title Problems

The primary purpose of Title Insurance is to eliminate risk and prevent losses caused by defects in title arising out of events that have happened in the past. Title insurance guarantees that there have not been any title problems prior to the time a policyholder takes title. A title insurance policy is issued for a reasonable, one-time fee.

The Title Search Process

A Title Insurance Company goes through a specific process during a title search (or as it reviews a property's history of ownership) that will help the title company minimize the risk that a policy holder will suffer any loss or be subject to any unfavorable claim against their property. Equally important is that title insurance safeguards an individual's ownership of or claim in their property.

In the event a title problem arises during the title search, all parties involved in the transaction are notified (via a title commitment) and the title company specifically outlines what has to take place in order to cure this problem. Once a title policy is issued, if problems arise in spite of a title company's research, the title insurance company will pay the cost of defending against an attack on the title as insured, as well as any other valid claims.

NO Risk = Peace of Mind.

Simply stated, Title Insurance removes risk--risk to one who owns property or to those who lend money on a piece of property. If you have any questions or need more information, please contact us.