Title Insurance

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Title Insurance

Garrow Title Agency

was incorporated in 1999 as an additional service of Garrow & Associates Realtors. Each real estate transaction is carefully reviewed by Garrow Title Agency personnel to eliminate any potential problems and ensure a smooth closing.

Garrow Title is an agent for leading national title insurers. These companies work closely with Garrow Title in providing escrow closing services in several branch office locations of Garrow & Associates Realtors.

The concept of one-stop shopping is fully demonstrated by Garrow & Associates Realtors and its affiliation with Garrow Title Agency.

What is Title Insurance?

Title Insurance is Risk Elimination Insurance which requires a one time premium. Auto, fire and homeowners insurance require annual premiums as it is expected that you will make certain claims periodically.

Risk Elimination

Title insurance is designed to protect you from being subject to any unforeseen "surprises" to the ownership of your real estate. The first step to guaranteeing your protection is a title search. By investigating all county records on your property, a title search can verify the seller's right to transfer ownership, locate any claims, assessments, errors, or miscellaneous defects on the title to the property and virtually eliminate the risk factor for the buyer.

When you Close

Judgments, liens and title defects are eliminated at the closing. This process will ensure a clear title to your property. Once completed, the closing documents will be recorded with the county as public record of your ownership. Some of the costs that you can expect in the closing include: Title Search Fees; Title Insurance Premium; Property Taxes or other Government Fees; Loan Charges; Appraisal Fees; Survey Fees. Be sure you understand all the charges assessed in your closing costs. Obtain an itemized list and review it thoroughly before you close.

Title Policy

After the recording of the deed, you will be issued an Owner's Title Insurance Policy. Your policy will guard you against such risks as:

Errors: Incorrect information on deeds, public records, etc.
Liens: Unpaid mortgages, taxes, sewer and water assessments, or other creditors, etc.
Ownership: By the spouse of previous owner or anyone else claiming an ownership interest in the property.
Invalid Deeds: Transfer by former seller who did not actually own the property, or by former owner not mentally competent.

Your Protection

Title Insurance is your safeguard. It can save you trouble time, money, and ultimately your home. It acts as a shield to protect you and your property. If your ownership becomes threatened by any claim covered in your policy, we will negotiate to settle the claim and, if necessary, defend your title in court. Additionally, we will be responsible for legal costs incurred while defending your title. If your property title is ever threatened, you can rest easy knowing you are safe when you are covered by Title Insurance.

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Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information on this site was last updated 02/04/2012. The listing information on this page last changed on 02/04/2012. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Flint MLS (last updated Fri 02/03/2012 12:59:02 PM EST) or RealComp MLS (last updated Fri 02/03/2012 12:05:49 PM EST) or SBR MLS (last updated Fri 02/03/2012 12:12:25 PM EST) or Shiawassee MLS (last updated Tue 10/11/2011 6:03:41 AM EST). Real estate listings held by brokerage firms other than Garrow & Associates Realtors may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved. --
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