Title Insurance

We at Douglas County Title Company are proud to be a part of history within our county. Our records date back to book 0 page 1, of recorded documents in Douglas County.  When researching a property there is no better source for information than our own title plant. We are Douglas County's 1st Title Company and we continue to be #1 in quality service to our customers.

Title insurance is a policy that is issued by Douglas County Title Company insuring against any defects in the title.  Unless the title is insured, homeowners/lenders cannot be sure that they will not suffer a loss through title disputes after buying or lending on real estate. If the title is ever defeated, title insurance reimburses owners/lenders for the amount of their loss up to the face value of the policy.

Each title insurance policy that Douglas Title Company issues is paid, in full, by the first premium for as long as the insured and/or heirs own the property.

The seller or borrower (when refinancing), pays for the cost of the title insurance, this fee is based on the sales/borrowed amount.  The buyer is named as the insured in a sale, with the lender being named as insured when refinancing.

When an order is placed with Douglas County Title Company, a title search is performed in order to determine if there are any liens or encumbrances showing of record affecting the property.  A preliminary title report also shows easements and rights of way of record that pertain to the property. A copy of the report is then provided to all interested parties. This report is the base that we use when issuing title insurance.

Title insurance protects the buyer/lender from suffering loss due to the following:

• Documents executed under false, revoked or expired powers of attorney
• False impersonations of the true landowner
• Undisclosed heirs
• Improperly recorded legal documents
• Prescriptive rights (acquired through adverse possession), not appearing of record and not disclosed by a survey
• Defective acknowledgments due to improper or expired notarization
• Corporate franchise taxes as liens on corporate real estate assets
• Gaps in the chain of title
• Mistakes and omissions resulting in improper abstracting (chain of title)
• Forged deeds, mortgages, wills, releases of mortgages and other instruments
• Deeds by minors
• Inadequate legal descriptions
• Errors in tax records

It would be our pleasure to provide additional information to you, so please contact any of our qualified representatives.