What Is Title Insurance and Why Is It Essential?

Title insurance safeguards both buyers and lenders from future losses due to undisclosed issues with property ownership—such as liens, missing heirs, or fraud—even after a thorough title search has taken place. Unlike homeowner’s insurance, it addresses defects that manifest over time .

Do I Need Both Lender’s and Owner’s Policies?

Yes. Most mortgage lenders require a lender’s policy, but the owner’s policy (optional) is highly recommended for long‑term protection. Together, they cover you and the lender against legal challenges tied to the title .

How Much Does Title Insurance Cost, and When Do I Pay?

Premiums typically range from 0.5% to 0.7% of the home’s purchase price—for example, about $2,000 on a $400K house. It’s a one-time fee collected at closing  .

What Steps Are Involved in a Title Search?

A title search examines decades of public records—including deeds, liens, court filings, taxes, and easements—to verify ownership and uncover defects  .

At Accurate Title, our title professionals:

1. Review current and historical county records

2. Identify potential issues like liens, boundary problems or informal encumbrances

3. Communicate findings immediately to help agents and buyers address concerns ahead of schedule

This detailed checklist ensures transactions in New Hampshire, Massachusetts, and Southern Maine proceed smoothly.

How Long Does a Title Search Take?

Typically 1–2 weeks, although complex properties may need more time. Working with us helps avoid winter delays common in January when records may be slower due to holidays and inclement weather.

What Are the Most Common Title Issues?

Can I Shop Title Insurance to Save Money?

Yes! Title insurance rates are regulated in many states, but service fees can vary. In January, we recommend:

• Requesting the reissue rate if refinancing within a few years

• Using the same title company as the seller to leverage existing work

What Should I Ask My Title Company When Hiring?

1. Do you provide detailed reports and exceptions up front?

2. What’s your claim resolution record rate?

3. How do you handle complex winter closings during holiday seasons?

4. How secure is your escrow fund process?

5. Are your policies bundled and discounted together?

Why Choose Accurate Title This January?

• Local expertise across NH, MA, and Southern ME

• Responsive communication to avoid winter scheduling issues

• Integrated title search + issue resolution + insurance under one roof

• Transparent pricing, including options for bundled policies and reissue savings

Start the new year knowing you’re fully covered—both in title and in trust.

Visit https://www.accuratetitlenh.com for more information.