Real estate title insurance is the best way to secure your property rights into the future when a property changes hands. Title insurance only costs a one-time fee and protects you and your heirs as long as you own the property. There are two types of title insurance policies – and owner’s title insurance and lender’s title insurance. If you take out a mortgage, your lender will take out at a policy to protect its interests, and you should obtain an owner’s policy.
What exactly does a title insurance policy from Montana protect you against? Plenty, including the following:
False impersonation of the true owner or the property
Forged deeds, releases or wills
Undisclosed or missing heirs
Instruments executed under invalid or expired power of attorney
Mistakes in recording legal documents
Misinterpretations of wills
Deeds by persons of unsound mind
Deeds by minors
Deeds by persons supposedly single, but in fact married
Liens for unpaid estate, inheritance, income or gift taxes
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