What A Title Agency Does Before Offering Title Insurance


If you’re a first-time buyer in the market to purchase a home, you may not be familiar with what a title agency does. A title agency verifies that the title of a property is legitimately transferred to the new owners. But what happens beforehand? Here’s a breakdown of what exactly a title agency does in preparation before offering title insurance.

Owner Verification Process

Before a title agency moves forward with offering title insurance, they’ll first verify whether the current owner has the right to sell the property. The agency will back the claim by offering a title insurance policy to ensure that you’re covered in the event that a third party makes a claim to the title. 

Title Search

It is the responsibility of every title insurance agency to do their due diligence while investigating outstanding ownership claims on the property. Performing a thorough investigation will protect both you and the agency from liabilities. This is an important step your title agency will take before offering title insurance. Bottom line, your title agency will do everything they can to protect you from financial loss relating to title issues. 

Property Survey

If required, a title agency may perform a property survey. This is done to verify there are no potential encroachments on your property. Encroachments could prove to be problematic if any damage is caused to the property as a result. Your title agency will take this information into account before making an offer for title insurance. 

A Title Company in Michigan That You Can Trust

A good title company will save you more than you can imagine. At Venture Title Agency, our team provides professional and reliable title and escrow services to help ensure a smooth closing. Reach out to schedule your closing with a no-pressure call.