What is Title Insurance & Why is it Important?

What is Title Insurance & Why is it Important?

As real estate is the nation’s largest market, its purchase and sale is essential to the health of the U.S. economy. However, these transactions are never without risk. That’s why title insurance has been protecting American homeowners for more than 130 years.

Tim and Debra Galli have been married for 28 years and have been working together as a team in the title insurance industry for 25 years. Their primary focus is assisting agents, sellers and buyers in successfully closing their Real Estate transactions. Through their time in the industry Tim and Debra have experienced many different Real Estate cycles and have always quickly transitioned to be the leaders in their field. This is done through an incredible dedication to the business and to each and every client they serve. Their professionalism and service is highly respected in the office and in the field. They have a tireless commitment to their clients and their transactions!


Title Search and Exam

Undiscovered Risks


Loan Policy

Owner’s Policy


Why Every Homeowner Needs an Owner’s Policy

Title Insurance protects the insured against covered title defects affecting the insured property. When you buy a home, you expect to enjoy important property rights. For example, you likely expect to be able to occupy the property, to be free from debts or obligations not created or agreed to by you, and to be able to freely sell your property or pledge it as security for a loan. Title insurance is designed to protect these important property rights. Here are seven reasons you should purchase an owner’s policy of title insurance.

Buying a home is a big investment. For a one-time premium, an owner’s title insurance policy helps protect it.

The seller may not own the home or have authority to sell it. Title insurance offers coverage against defects in title caused by fraud, forgery, incapacity, impersonation or the seller’s lack of authority to sell the property.

Warranties in your deed may not guarantee your ownership of the home. Even if the seller warrants good title to you in the deed, the seller may not have the money to pay your losses if a problem arises. When you purchase an owner’s title policy from First American, you have the financial power of First American to protect you against loss from covered claims.

The policy may cover more than just ownership. Depending on the type of policy issued, coverage insuring against loss due to disputes over boundaries, access rights and easements may be provided to you. Ask about available options for extended or expanded coverage.

A lender’s title policy does not cover you. Your lender has required you to pay for a lender’s title insurance policy, but that policy only provides insurance to the lender. A homeowner is not covered, and cannot make a claim, under a lender’s policy of title insurance.

The high cost of claims. Title disputes are not cheap. Are you prepared to pay a lawyer to fight for you in court? Title insurance includes coverage for legal expenses which may be necessary to investigate, litigate or settle an adverse claim.

Coverage for a one-time premium. The premium for an owner’s policy of title insurance is only paid once and covers you for as long as you hold an interest in the title to your home. The coverage automatically continues for the benefit of your heirs as well.

You’ve worked hard for your home. Protect your important property rights by obtaining an owner’s title insurance policy from First American Title.


First American Title Company

Tim and Debra Galli

title insurance gali

Tim :tdgalli@earthlink.net

Debra: debratitleteam@gmail.com

(909) 282-2277



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To learn more about The Hanover Group at Keller Williams Realty

Call (909) 942-6165 or (844) HANOVER 

Email : info@thehanovergrp.com 


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