{"id":699,"date":"2019-07-08T13:48:28","date_gmt":"2019-07-08T17:48:28","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=699"},"modified":"2024-04-25T23:21:05","modified_gmt":"2024-04-26T03:21:05","slug":"real-estate-title-insurance-a-brief-explanation","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/","title":{"rendered":"Real Estate Title Insurance: A Brief Explanation"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignright is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/07\/real-estate-title-insurance-1024x538.jpg\" alt=\"Image of a house with a blue sky background. Captioned: Real Estate Title Insurance, A Brief Explanation.\" class=\"wp-image-700\" width=\"512\" height=\"269\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/07\/real-estate-title-insurance-1024x538.jpg 1024w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/07\/real-estate-title-insurance-300x158.jpg 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/07\/real-estate-title-insurance-768x403.jpg 768w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/07\/real-estate-title-insurance.jpg 1080w\" sizes=\"auto, (max-width: 512px) 100vw, 512px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Title\ninsurance emerged more than a century ago. It had a&nbsp;purpose: to stop\nswindlers from cheating buyers, by ascertaining that land was, in fact, owned\nby the person selling it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Since then,\nit has grown into a multi-billion-dollar&nbsp;business.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And while\ntoday&#8217;s&nbsp;title insurance&nbsp;industry ostensibly protects homeowners from\ndefects in their deeds, some believe it&nbsp;has been rendered practically\nobsolete in the digital age. Today,&nbsp;a&nbsp;record search&nbsp;can be done\nfor less than a tenth of the prevailing&nbsp;rate of title insurance\u2014which can\nexceed&nbsp;$2000, depending on the home&#8217;s price and the state in which the\nproperty&nbsp;sale occurs.&nbsp;<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Outdated\nand&nbsp;Overpriced?&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine you&#8217;re refinancing your\u00a0home. Check out the price of the title\u00a0insurance you might expect for your own state and township with this\u00a0<a href=\"http:\/\/facc.firstam.com\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">calculator<\/a>\u00a0from First American.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You will pay\nfor this&nbsp;insurance in order to comply with the rules of secondary mortgage\ncompanies, and a dated set of state laws. Many of these laws first took effect\nin the name of consumer protection, after a spate of\nDepression-era&nbsp;insurance company bankruptcies left buyers stranded with\ntheir title claims. Even today, most states prohibit general insurance\ncompanies from moving in on the title giants, or from&nbsp;providing guarantees\ntantamount to title insurance.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Thus insulated from normal competition, title insurers\u00a0slid into a <a href=\"https:\/\/www.latimes.com\/archives\/la-xpm-1999-oct-15-fi-22484-story.html\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">troubling history<\/a> of inducing mortgage reps, developers, and real estate agents to steer\u00a0business their way.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">California-based\nFirst American Title<sup>TM&nbsp;<\/sup>is the industry&#8217;s largest company. First\nAmerican started&nbsp;copying and&nbsp;delivering records back in 1894, and\nbecame&nbsp;a&nbsp;title guaranty&nbsp;provider in 1924. Today, First American\nmakes heavy use of automation and offshore data entry personnel. It is highly\nunlikely to overlook&nbsp;missing heirs, unknown easements, outstanding liens,\nor any glitches in the public records. Modern&nbsp;technology has made latent\ndefects in deeds\u2014and thus insurance payouts\u2014rare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yet the industry\ncontinues to profit greatly, for reasons increasingly out of step with the\ntimes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Owner&#8217;s\nPolicy Sold Separately\u2014Except in Iowa<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If home\nbuyers need any further reason to question&nbsp;the monopoly of a handful of\ntitle insurers throughout the country,&nbsp;here it is.&nbsp;These companies\nare selling the buyer a&nbsp;<em>lender&#8217;s<\/em>\ntitle&nbsp;insurance policy. This protects the financial institution, not the\nbuyer, from incurring costs should any unknown title claims arise after the\nclosing. Thus, the homeowners foot&nbsp;the bill&nbsp;to cover&nbsp;their\nmortgage lender&#8217;s peace of mind and not their own.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buyers can\nget title insurance to protect themselves as well, but they have to buy that\nseparately. There are, in other words, two&nbsp;types of title insurance\nproducts: the lender&#8217;s, which must be paid,&nbsp;and owner&#8217;s title insurance,\nwhich is typically&nbsp;optional.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many buyers decide to obtain an owner&#8217;s insurance policy (indeed, the U.S. government <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-owners-title-insurance-en-164\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">encourages<\/a>\u00a0it)\u00a0to avoid getting stuck with the\u00a0costs of possible clouds on the title. Common problems that plague titles can\u00a0involve past incidents of\u00a0<a href=\"https:\/\/www.deeds.com\/articles\/category\/deed-fraud\/\">deed fraud or forgery<\/a>. \u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Home buyers\nin Iowa are already covered. The policy from Iowa Title Guaranty covers owners\nat&nbsp;no extra charge, for houses valued up to&nbsp;$500,000, as long as the\nbuyer&nbsp;intends to live in the home&nbsp;as a&nbsp;primary residence.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why\nIowa&#8217;s Model Stands Out<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Iowa is\nunique. The state doesn&#8217;t just&nbsp;keep&nbsp;records of property transactions;\nit&nbsp;guarantees them.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In 1947, Iowa abolished\u00a0title insurance. By 1987, the state had established\u00a0<a href=\"https:\/\/www.curbed.com\/2018\/2\/26\/17017142\/title-insurance-scam-government-takeover\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Iowa Title Guaranty\u2014the only title insurance purveyor allowed to operate in the state<\/a>. (There are some exceptions. A\u00a0buyer who opts to use\u00a0an out-of-state lender might be paying a title insurance company based outside Iowa.)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because the\nstate is the insurance purveyor, an Iowa home buyer can have a title insured\nfor&nbsp;around a tenth of what most people throughout the country are forced\nto agree to at closing. There are no title insurance agents needed, as\nstate-certified <a href=\"https:\/\/www.deeds.com\/articles\/the-abstract-of-title-in-real-estate-what-is-it\/\">abstractors<\/a>&nbsp;perform\na thorough examination of the home&#8217;s history. Any title issues&nbsp;must be\nremedied&nbsp;before closing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In short, Iowa\u2019s state-managed\u00a0title insurance offers at least the same\u00a0level of protection private companies do, for a fraction of the cost.\u00a0For a\u00a0<a href=\"http:\/\/www.iowafinanceauthority.gov\/TitleGuaranty\/Residential\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">residential transaction<\/a>, $140 covers a title of a home valued at $500,000 or less, with\u00a0an additional $1 per thousand for more expensive homes.\u00a0Most endorsements are free.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The system&#8217;s\u00a0<a href=\"http:\/\/www.iowafinanceauthority.gov\/TitleGuaranty\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">profits are then re-invested<\/a> in Iowa, to fund affordable housing initiatives for Iowans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nationwide\nTransformation to Come<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The\ntransformation made possible through digital advancements couldn&#8217;t happen to a\nbetter industry. Already, real estate title&nbsp;records, traditionally\navailable&nbsp;to the public, are becoming truly accessible online. Today, it\ntakes seconds&nbsp;to look up a home&#8217;s price and transaction history, appraised\nvalue, applicable taxes, and physical description. As property records become\nopenly accessible,&nbsp;accurate, and comprehensive, title insurance would\nappear to be less of an imperative. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We can\nexpect the trend to continue. For example, <a href=\"https:\/\/www.deeds.com\/articles\/the-real-estate-deal-decluttered-blockchain-and-deed-recording\/\">blockchain\nis poised to create&nbsp;solutions that improve&nbsp;title accuracy<\/a>, and\nminimize&nbsp;the risk&nbsp;of defects. Once the blockchain records an accurate\ntitle, it will continually record and protect,&nbsp;in real time,\nevery&nbsp;transaction to come. Should the real estate&nbsp;sector follow\ninnovative counties and broadly adopt&nbsp;blockchain technology, homes will\ntake on traits of&nbsp;liquid commodities.&nbsp;Watch for the&nbsp;title\ninsurance industry to reinvent itself&nbsp;yet again, with big&nbsp;companies\nbecoming&nbsp;data gatekeepers to stay relevant.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This\ntransformation will take a few years to happen. Hundreds of counties are just\nstarting to embrace online document recording and&nbsp;digital notarization.\nYet the industry&#8217;s trajectory is already clear. In the real estate transactions\narena, the tech disruption has only just begun. &nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Title insurance emerged more than a century ago. It had a&nbsp;purpose: to stop swindlers from cheating buyers, by ascertaining that land was, in fact, owned by the person selling it. Since then, it has grown into a multi-billion-dollar&nbsp;business.&nbsp; And while today&#8217;s&nbsp;title insurance&nbsp;industry ostensibly protects homeowners from defects in their deeds, some believe it&nbsp;has been rendered [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[82],"tags":[],"class_list":["post-699","post","type-post","status-publish","format-standard","hentry","category-title-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Real Estate Title Insurance: A Brief Explanation - Deeds.com<\/title>\n<meta name=\"description\" content=\"While today&#039;s title insurance industry ostensibly protects homeowners from defects in their deeds, some believe it has been rendered practically obsolete in the digital age.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Real Estate Title Insurance: A Brief Explanation - Deeds.com\" \/>\n<meta property=\"og:description\" content=\"While today&#039;s title insurance industry ostensibly protects homeowners from defects in their deeds, some believe it has been rendered practically obsolete in the digital age.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/\" \/>\n<meta property=\"og:site_name\" content=\"Deeds.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/deedsrealestate\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-07-08T17:48:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-26T03:21:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/07\/real-estate-title-insurance-1024x538.jpg\" \/>\n<meta name=\"author\" content=\"Deeds.com\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@RealEstateDeeds\" \/>\n<meta name=\"twitter:site\" content=\"@RealEstateDeeds\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Deeds.com\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/real-estate-title-insurance-a-brief-explanation\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/real-estate-title-insurance-a-brief-explanation\\\/\"},\"author\":{\"name\":\"Deeds.com\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#\\\/schema\\\/person\\\/8e0eeca72de74094ddaa30fc54159b6b\"},\"headline\":\"Real Estate Title Insurance: A Brief Explanation\",\"datePublished\":\"2019-07-08T17:48:28+00:00\",\"dateModified\":\"2024-04-26T03:21:05+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/real-estate-title-insurance-a-brief-explanation\\\/\"},\"wordCount\":1013,\"publisher\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/real-estate-title-insurance-a-brief-explanation\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/real-estate-title-insurance-1024x538.jpg\",\"articleSection\":[\"Title Insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/real-estate-title-insurance-a-brief-explanation\\\/\",\"url\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/real-estate-title-insurance-a-brief-explanation\\\/\",\"name\":\"Real Estate Title Insurance: A Brief Explanation - Deeds.com\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/real-estate-title-insurance-a-brief-explanation\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/real-estate-title-insurance-a-brief-explanation\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/real-estate-title-insurance-1024x538.jpg\",\"datePublished\":\"2019-07-08T17:48:28+00:00\",\"dateModified\":\"2024-04-26T03:21:05+00:00\",\"description\":\"While today's title insurance industry ostensibly protects homeowners from defects in their deeds, some believe it has been rendered practically obsolete in the digital age.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/real-estate-title-insurance-a-brief-explanation\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.deeds.com\\\/articles\\\/real-estate-title-insurance-a-brief-explanation\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/real-estate-title-insurance-a-brief-explanation\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/real-estate-title-insurance.jpg\",\"contentUrl\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2019\\\/07\\\/real-estate-title-insurance.jpg\",\"width\":1080,\"height\":567},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/real-estate-title-insurance-a-brief-explanation\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Real Estate Title Insurance: A Brief Explanation\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#website\",\"url\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/\",\"name\":\"Deeds.com\",\"description\":\"Real Estate Deeds Made Easy Since 1997\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#organization\",\"name\":\"Deeds.com\",\"url\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2018\\\/10\\\/deeds-logo-bw.png\",\"contentUrl\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2018\\\/10\\\/deeds-logo-bw.png\",\"width\":417,\"height\":208,\"caption\":\"Deeds.com\"},\"image\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/deedsrealestate\\\/\",\"https:\\\/\\\/x.com\\\/RealEstateDeeds\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCWGNKXWKH9nluFfeIvG0OTQ\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#\\\/schema\\\/person\\\/8e0eeca72de74094ddaa30fc54159b6b\",\"name\":\"Deeds.com\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g\",\"caption\":\"Deeds.com\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Real Estate Title Insurance: A Brief Explanation - Deeds.com","description":"While today's title insurance industry ostensibly protects homeowners from defects in their deeds, some believe it has been rendered practically obsolete in the digital age.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/","og_locale":"en_US","og_type":"article","og_title":"Real Estate Title Insurance: A Brief Explanation - Deeds.com","og_description":"While today's title insurance industry ostensibly protects homeowners from defects in their deeds, some believe it has been rendered practically obsolete in the digital age.","og_url":"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/","og_site_name":"Deeds.com","article_publisher":"https:\/\/www.facebook.com\/deedsrealestate\/","article_published_time":"2019-07-08T17:48:28+00:00","article_modified_time":"2024-04-26T03:21:05+00:00","og_image":[{"url":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/07\/real-estate-title-insurance-1024x538.jpg","type":"","width":"","height":""}],"author":"Deeds.com","twitter_card":"summary_large_image","twitter_creator":"@RealEstateDeeds","twitter_site":"@RealEstateDeeds","twitter_misc":{"Written by":"Deeds.com","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/#article","isPartOf":{"@id":"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/"},"author":{"name":"Deeds.com","@id":"https:\/\/www.deeds.com\/articles\/#\/schema\/person\/8e0eeca72de74094ddaa30fc54159b6b"},"headline":"Real Estate Title Insurance: A Brief Explanation","datePublished":"2019-07-08T17:48:28+00:00","dateModified":"2024-04-26T03:21:05+00:00","mainEntityOfPage":{"@id":"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/"},"wordCount":1013,"publisher":{"@id":"https:\/\/www.deeds.com\/articles\/#organization"},"image":{"@id":"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/#primaryimage"},"thumbnailUrl":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/07\/real-estate-title-insurance-1024x538.jpg","articleSection":["Title Insurance"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/","url":"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/","name":"Real Estate Title Insurance: A Brief Explanation - Deeds.com","isPartOf":{"@id":"https:\/\/www.deeds.com\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/#primaryimage"},"image":{"@id":"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/#primaryimage"},"thumbnailUrl":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/07\/real-estate-title-insurance-1024x538.jpg","datePublished":"2019-07-08T17:48:28+00:00","dateModified":"2024-04-26T03:21:05+00:00","description":"While today's title insurance industry ostensibly protects homeowners from defects in their deeds, some believe it has been rendered practically obsolete in the digital age.","breadcrumb":{"@id":"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/#primaryimage","url":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/07\/real-estate-title-insurance.jpg","contentUrl":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2019\/07\/real-estate-title-insurance.jpg","width":1080,"height":567},{"@type":"BreadcrumbList","@id":"https:\/\/www.deeds.com\/articles\/real-estate-title-insurance-a-brief-explanation\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.deeds.com\/articles\/"},{"@type":"ListItem","position":2,"name":"Real Estate Title Insurance: A Brief Explanation"}]},{"@type":"WebSite","@id":"https:\/\/www.deeds.com\/articles\/#website","url":"https:\/\/www.deeds.com\/articles\/","name":"Deeds.com","description":"Real Estate Deeds Made Easy Since 1997","publisher":{"@id":"https:\/\/www.deeds.com\/articles\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.deeds.com\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.deeds.com\/articles\/#organization","name":"Deeds.com","url":"https:\/\/www.deeds.com\/articles\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.deeds.com\/articles\/#\/schema\/logo\/image\/","url":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2018\/10\/deeds-logo-bw.png","contentUrl":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2018\/10\/deeds-logo-bw.png","width":417,"height":208,"caption":"Deeds.com"},"image":{"@id":"https:\/\/www.deeds.com\/articles\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/deedsrealestate\/","https:\/\/x.com\/RealEstateDeeds","https:\/\/www.youtube.com\/channel\/UCWGNKXWKH9nluFfeIvG0OTQ"]},{"@type":"Person","@id":"https:\/\/www.deeds.com\/articles\/#\/schema\/person\/8e0eeca72de74094ddaa30fc54159b6b","name":"Deeds.com","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g","caption":"Deeds.com"}}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/posts\/699","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/comments?post=699"}],"version-history":[{"count":0,"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/posts\/699\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/media?parent=699"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/categories?post=699"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/tags?post=699"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}