Edit Answer (for another 15 minutes) Most electricians are going to have a minimum charge to go to your home. It costs legitimate contractors so much in licensing, insurance, vehicle costs, office costs, etc. that it isn't worth their time to drive 30 minutes each way & spend 15 minutes on a job, only charging for one hour or even less.
DEFINITION of 'Title Insurance'. Title insurance is an insurance policy that covers the loss of ownership interest in a property due to legal defects and is required if the property is under mortgage. The most common type of title insurance is a lender's title insurance, which is paid for by the borrower but protects only the lender. However, owner's title insurance can be taken out as a separate policy and is paid for by the seller to protect the buyer's equity in the property.
1 Title insurance differs from other forms of insurance in two ways. 2  First, it is a one-time premium, rather than one that is paid regularly. 3  Secondly, while most insurance -- such as car or life insurance -- covers potential future events, title insurance provides protection against undiscovered past events. Title insurance would enable the buyer and the lender to prove in court that they own the property outright. 2  The claims rate for title insurance is low, at about 4%. 3  That's because part of title insurance companies' duties is to conduct public record research before the policy is set to catch any problems.