American Guardian Title

Title Insurance is a form of indemnity insurance, which protects owners and mortgage lenders against financial loss resulting from challenges or defects in the title to real estate. Prior to the transfer of ownership, a satisfactory title examination is required to issue the policy.

These policies protect a policyholder against loss from some occurrence that has already happened but is not shown in the public record, such as a forged deed somewhere back in the chain of title.Title insurance will typically cover the policyholder's attorney and court expenses, or pay for financial loss caused by unknown defects, subject to the policy's terms and limitations.

American Guardian Title is a full service real estate title and closing firm that offers residential closing services in multiple states. We have over 20 years of experience and have developed a reputation by our clients for service above and beyond our scope of work. Buying and selling a home is the most important and complicated financial decision that many people make in their lifetime.

Title insurance is one of the key pieces of any commercial real estate transaction. Without it, buyers and sellers would most likely find the risks of buying and selling property to be too high. Title insurance services have been around in one form or another in the United States since 1874.

The stronger your understanding of what title insurance is and its role in commercial real estate transactions, the better prepared you are for negotiating great deals and protecting your assets.While title insurance in residential real estate is often seen as a mere formality, title insurance is an integral part of both the due diligence phase and the closing process in commercial real estate deals.

So you purchased title insurance when you bought your home. Why should you buy more when you are refinancing your own place? While you do not need to buy new owner's title insurance, your new lender will want a title insurance policy, however. As far as owner's title insurance goes, you purchased it when you bought the home and it remains in effect for as long as you own the property.

Real estate investors who sell a property can sometimes take advantage of a section in the U.S. IRS' tax code that allows them to defer capital gains or losses on the property. This is called a 1031 exchange, after the section of tax code that offers this benefit. Like-kind property is property of the same nature, character or class.