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FAQ's

1. What is Title Insurance?

At the risk of oversimplification, in North Carolina, Title Insurance is a contract of indemnity based on an attorney's opinion of title, rendered after a search of the public records, which indemnifies the insured for covered losses caused by on-record or certain off-record defects.

2. How much does Title Insurance Cost and how frequently do I have to pay?

Title Insurance Premiums are standardized across the industry, and are regulated by the Department of Insurance. The modest premium is paid only once, at closing, and is based on several factors, including, but not limited to: the type of policy, the purchase price, the loan amount, and any applicable reissue discounts or credits.

3.How long does coverage last?

After payment of the modest one-time premium, coverage lasts as long as the insured has an interest in the property. Generally speaking, for the owner this is as long as he or she owns the property, or is liable under warranties given in a deed. For the lender, coverage generally lasts until the loan is paid in full and the debt is extinguished.

4. Am I, as an owner, covered under the Lender's policy?

No, only the Lender is covered by the Lender's policy. A separate Owner's policy must be obtained for the owner to be afforded coverage.

5. Does the Title Company perform the closing?

No. In North Carolina title examinations and real estate closings are performed by attorneys. The attorneys certify the title to and obtain insurance from independent title insurance companies. This system allows North Carolina to maintain some of the lowest closing costs in the nation.

6. If an attorney searches my title, why should I have Title Insurance?

Title insurance is the best evidence of sellers' title. Unfortunately, attorneys or abstractors die, disappear, let their E&O insurance lapse, become insolvent, or have a host of other issues. Also, attorneys or abstractors are only liable for their negligence, and many matters covered by title insurance (i.e. forgery, duress) would not be discoverable during a title exam and therefore would not constitute attorney negligence or malpractice. Title Insurance shifts the risk of a title defect/problem from the owner/lender (and attorney) to the insurer.

7. The Lender is not requiring a survey. Do I still need to obtain a survey?

This is a personal decision that should be discussed with your attorney, but generally speaking, yes. The Lender will have coverage in their policy for matters that would have been disclosed by a survey even if one is not obtained. However, without a survey, the owner's policy specifically excludes coverage for any matter that would have been revealed by a current survey. Surveys can reveal many title issues, including but not limited to, encroachments, boundary line problems, and setback violations.

To file a claim, please contact your carrier directly at the numbers below and a qualified claims representative will assist you. Also, you may login or signup to manage your account online.

St. Paul Travelers Auto/Home

Phone: 800-252-4633 Website: www.travelers.com Details: 24 hours

Central Insurance

Phone: 888-263-2924 Website: www.central-insurance.com Details: 24 hours

Kemper

Phone: 888-252-2799 Website: www.ekemper.com Details: 24 hours

Montgomery/Peerless

Phone: 800-561-0178 Website: www.montgomery-ins.com

SafeCo

Phone: 800-332-3226 Website: www.safeco.com Details: 24 hours

Auto Owners

Phone: 704-547-5656 Website: http://www.auto-owners.com Details: M-F 8:00 - 5:30

Auto Owners (After Hours)

Phone: 888-252-4626 Website: www.auto-owners.com Details: After business hours

Hartford

Phone: 800-243-5860 Website: www.thehartford.com Details: 24 hours

Chubb

Phone: 800-252-4670 Website: www.chubb.com Details: 24 hours

PURE Insurance

Phone: 888-814-7873 Website: http://pureinsurance.com Details: Specializing in high-value homeowners insurance

Hull & Company

Phone: 800-241-4855 Website: www.hullco.com

Burns & Wilcox

Phone: 704-525-1152 Website: http://burnsandwilcox.com

American Agency

Phone: 800-245-1505 Website: https://modernlink.amig.com Details: 24 Hour Claims