Resources2022-11-12T08:56:27-05:00

Resources

Title insurance can often seem complicated. Here you’ll find answers to your questions about American Title Hub, title insurance and the closing process.

Frequently Asked Questions

Is title insurance the same as homeowner’s insurance?2022-03-22T04:51:00-05:00

No. Title insurance protects against claims and lawsuits related to the legal ownership of a property. Homeowner’s insurance generally protects against fire, damage, theft or other physical losses, none of which are covered by title insurance.

How does title insurance protect a property owner?2022-03-22T04:51:31-05:00

Title insurance protects against losses from title defects, liens against the property and claims of ownership by others. Essentially, it protects against problems that occurred in the past and gives you the “all clear” to purchase and own a property with confidence.

What is title insurance?2022-03-22T04:51:37-05:00

A title represents official ownership of a property. When you possess the title, you own that property and have full rights to use it. Title insurance protects the owner from claims against the property or defects in the chain of ownership.

If I refinance, do I need new title insurance?2022-04-21T02:54:21-05:00

Lenders require new title insurance at the time of refinancing. If you’re ready to refinance, contact American Title Hub directly, as we can offer lower costs than purchasing title insurance through your lender.

How long does title insurance last?2022-03-22T04:53:20-05:00

The owner’s policy purchased by the seller is usually in effect for as long as you own the property. The lender’s policy purchased by a buyer expires when the mortgage is paid off. Consult your specific title insurance policy, as these guidelines may not be true in all cases.

Is title insurance required?2022-04-21T02:56:59-05:00

Title insurance is not required but a mortgage lender will usually require it to protect their investment (and yours). Generally, a property seller purchases title insurance for the buyer and a buyer purchases title insurance for a lender as a condition of their loan.

Contact Us

277 Durham Avenue,
South Plainfield, NJ 07080
Ph: 862-375-1000

General

info@thetitlehub.com

Orders

orders@thetitlehub.com

Title Needs

processing@thetitlehub.com

Escrow/Packages

closing@thetitlehub.com

Feedback

feedback@thetitlehub.com

Careers

careers@thetitlehub.com

Get an Estimate

Contact us here for an estimate of your title insurance costs.

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