Mohave County Home Shopper December 2013 | Page 12
Pioneer Title Agency
why title insurance?
“Commitment to Service”
what is title insurance?
Title Insurance differs from other categories of
insurance. Auto, homeowners, and fire insurance
require you to pay annual premiums because, unlike
Title Insurance, they expect you to make claims
periodically throughout the life of the policy. Title
Insurance, however, is Risk Elimination Insurance,
and requires that you pay a one time premium
risk elimination.
Title Insurance is designed to protect you from
being subjected to any unforeseen surprises.
The first step to guaranteeing your protection is
a title search.
By investigating all county records on your
property, a title search can verify the seller’s
right to transfer ownership, locate any claims,
assessments, errors, or miscellaneous defects
on the property and virtually eliminate the risk
factor for the buyer.
when you close.
Judgments, liens, and title defects are
eliminated at the closing. This process will
ensure a clear title to your property. Once
completed, the appropriate documents will be
recorded with the county as public record of
your ownership of the title.
Be sure you understand all the charges
assessed in your closing costs. Obtain an
itemized list and review it thoroughly before
you close.
some of the costs to expect at closing:
Title Insurance Premiums
Settlement Fees
Government Fees
Property or Other Taxes
Loan Charges
Appraisal Fees
title policy.
your protection.
Title Insurance is your safeguard. It can save you
trouble, time, and money. It acts as a shield to guard
you against potential claims brought against your
property. If your ownership becomes
threatened by any claim covered in your policy we will
negotiate to settle the claim and if necessary defend
your title in court.
After the recording, Pioneer Title Agency will
Issue you a Title Policy. Your policy will guard
you against certain risks such as:
Additionally, we will be responsible for most legal
costs incurred while defending your title. If your
property title is threatened, you can rest easy knowing
you are safe when you are insured through
Pioneer Title Agency.
Ownerships:
Errors: Incorrect information on deeds,
public records, etc.
Liens: Unpaid mortgages, taxes, sewer
and water assessments.
Outstanding spousal interests,
or interests, or interests of
missing heirs in an estate.
Invalid Deeds: Transfer by former seller who
did not actually own the
property, or who were not
Cherish Sammeli
Account Manager
cell 928.377.0808
[email protected]
www.ptaaz.com
Kingman Branch
Hualapai Branch
928.753.5578
2213 Stockton Hill Rd.
Kingman, AZ 86401
928.753.6300
2331 Hualapai Mtn. Rd., Ste. B
Kingman, AZ 86401