What are your rates?

For Cecil County Residents, our closing fee is $390.00. This may vary slightly for other counties in Maryland. Please contact us for exact rates.

What are your search fees?

We offer a maximum search fee of $150.00 for Cecil County. All other counties will range from $160.00 to $250.00 depending on the property.

Why do I need Title Insurance?

Purchasing a home is one of the largest investments Americans will make in their lifetime. However, with such a large investment, it can be rather a complicated process filled with contracts and blurred lines of ownership rights. With so many ways that your title and ownership can be compromised throughout the years, the title company and title insurance can give the peace of mind needed, and the assurance that title issues will not affect your rights as an owner.

What does title insurance insure?

Title insurance offers protection against claims resulting from various defects (as set out in the policy) which may exist in the title to a specific parcel of real property effective on the issue date of the policy.

Who will pay for title insurance charges, the buyer or the seller?

Unfortunately, it is never just always the seller or the buyer who pays for the title insurance. Who pays for the title insurance usually depends on the area itself, but make sure to check with the contract to make 100% sure who is responsible for paying the insurance in each particular case.

What are my chances of ever using my title policy?

In essence, by acquiring your policy, you derive the important knowledge that recorded matters have been searched and examined so that title insurance covering your property can be issued.

Because title insurance companies are risk eliminators, the probability of exercising your right to make a claim is very low. However, claims against your property may not be valid, making the continuous protection of the policy all the more important.

When a title company provides a legal defense against claims covered by your title insurance policy the savings to you for that legal defense alone will greatly exceed the one-time premium.

What if I am buying property from someone I know?

You may not know the owner as well as you think you do. People undergo changes in their personal lives that may affect title to their property. People get divorced, change their wills and engage in transactions that limit the use of the property and have liens and judgments placed against them personally for various reasons.

There may also be matters affecting the property that are not obvious or known, even by the existing owner, which a title search and examination seeks to uncover as part of the process leading up to the issuance of the title policy.

Just as you wouldn’t make an investment based on a phone call, you shouldn’t buy real property without assurances as to your title. Title insurance provides these assurances.

The process of risk identification and elimination performed by the title companies, prior to the issuance of a title policy, benefits all parties in the property transaction.

Title insurance minimizes the chances that adverse claims might be rased, and by doing so reduces the number of claims that need to be defended or satisfied. This process keeps costs and expenses down for the title company and maintains the traditional low cost of title insurance.