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What Is Title Insurance? Title Insurance is a contract to indemnify against losses arising through defects in title to real estate. As a rule, a title company will not insure a bad title any more than a fire insurance company will issue a policy on a burning building. However, title companies can sometimes overcome some technical objections that might be raised by a title examination. If the title is insurable, the company will guarantee against loss due to defects in the title not specifically set forth in the policy, and to pay all expenses in defense of any lawsuit which attacks the title as insured within the terms of the policy.   What Does Title Insurance Protect Against? There are a variety of circumstances that can arise where title insurance will offer protection. Here are just a few of the most common hidden risks that can cause loss of title or create an encumbrance on title: False impersonation of the true owner of the property Forged deeds, releases or wills Undisclosed or missing heirs Instruments executed under invalid or expired power of attorney Mistakes in recording legal documents Misinterpretations of wills Deeds by persons of unsound mind Deeds by minors Deeds by persons supposedly single, but in fact married Liens for unpaid estate, inheritance, income or gift taxes Fraud © 2003 Heritage Title of Racine All Rights Reserved If you should have any comments or questions regarding this web site, contact al@heritagetitle.com