51 Monroe Street, Suite 1505
Rockville, MD 20850

Pinnacle Title & Escrow

Owner’s Policy

Owner's Title Insurance  

The Owner’s Title Insurance Policy is a one-time premium, and protects the homeowner for as long as the homeowner owns the property. If the title or ownership of your home or real property is challenged based on a covered item, the title insurer will pay to defend against the challenge and will either “perfect” (make perfect) the title or pay damages caused by a valid claim. In most jurisdictions, the buyer is entitled to receive a discount called a “reissue rate” when the seller provides the title company with a copy of their Owner’s Title Insurance Policy (some time restrictions and limitations may apply depending on the title insurer).

An Owner’s Title Insurance Policy protects against the following risks:

  • Clerical errors made at the Registry of Deeds
  • Forged deeds, mortgage releases or other forged documents
  • Deeds made by incompetent persons
  • Falsification of records
  • Deeds made by minors
  • Previously undisclosed heirs and previous owners
  • Improper legal description
  • A deed executed using an expired or invalid power of attorney
  • Title taken as a result of an improperly probated will
  • False representation of the true owner of the property
  • Improperly indexed liens on the property
  • And much more!

Our Underwriters