What Title Means to You

Title insures buyers and lenders (in separate title policies) against loss. The policy asserts that if the status of the title to a parcel or real property differs from what is depicted, and the insured (either the owner or lender) is subject to a loss as a consequence of a title error, the insurer (Northpoint Title) will repay the insured for that loss and any related legal expenses, up to the face amount of the policy subject to exceptions and exclusions contained in the policy. A lender typically asks for a policy (known as the lender's policy) during a purchase transaction while the buyers obtain their own policy (known as an owner's policy).

The purpose of title insurance is to guarantee that you own the property you are paying for. Northpoint researches the property’s title for liens, judgments, easements, etc. that may affect your ability to own the property (or the ability of the lender to lend against it).

Our team of title professionals is experienced and friendly. Most important, all underwriting decisions are made locally.