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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 908-233-5555, or my cell 908-447-8134.

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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Ellen Murphy, a proven Cranford, Westfield and Scotch Plains, New Jersey NUMBER1EXPERT™ Top Selling real estate agent.

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Real Estate Tips
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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Real Estate Trivia
Q 
Which city in the U.S. has the longest formal name, but the shortest abbreviated name?

A 
El Pueblo de Nuestra Senora la Reina de los Angeles de la Porciuncula is the full name for Los Angeles, known as "LA".
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Ellen Murphy, REALTOR®, real estate agent and broker for Cranford, Westfield and Scotch Plains, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Ellen Murphy
Coldwell Banker Residential Brokerage

209 Central Ave
Westfield, NJ 07090
908-233-5555
Fax: 908-322-3365
cell: 908-447-8134
ellenmurphy@NUMBER1EXPERT.com


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