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.
Owner's title insurance policy forms of the American Land Title Association created between 1987 and late 2006, contain coinsurance clauses. For partial losses, they require the insured carry a percentage of the risk of loss in two circumstances. The first is if the insured did not insure its title for at least 80% of its market value at the time the policy was issued. In that case, the insurer will pay only 80% of the loss.