For home owners
Protecting what's yours.
Buying or selling in the Carolinas? We make sure your title is clear, your closing is smooth, and your investment is protected — for as long as you own the home.
Buyers & sellers
However you're moving, we've got the title side handled.
Buying a home
Before you close, we confirm the seller truly owns the property and that nothing — liens, errors, or old claims — can threaten your ownership. A one-time owner's policy then protects your investment for as long as you, or your heirs, hold the home.
- Thorough search for a clear, encumbrance-free title
- Owner's policy paid once — no renewals, no expiration
- Long-term protection for you and your successors
Selling a home
Selling your house? We'll help you find an experienced closing attorney, satisfy any liens, and keep everyone moving toward a smooth close — whether you're for sale by owner or working with an agent.
- Timely, accurate title commitments
- Experienced and knowledgeable team
- Able to resolve complex title issues
Title insurance, explained
What every home buyer should know.
Short, plain answers to the questions we hear most.
What is title insurance and why do I need it?
Title insurance protects both you and your mortgage lender from losses stemming from defects in the property's title — improperly recorded documents, forgery, easements, or encroachments. If someone claims an ownership interest or a defect is discovered, your policy shields you from the resulting losses. Without it, you could face significant financial liability.
Who pays for title insurance? What's the cost?
It's a one-time, up-front fee — not an ongoing expense. An owner's policy is based on the home's purchase price; a lender's policy on the loan amount. Together they usually run about 0.5%–1.0% of the purchase price ($1,500–$3,000 on a $300,000 home, per ALTA). In NC and SC the price is the same at every title company — so choose a reputable one. Estimate your cost with the rate calculator.
What does title insurance cover?
An owner's policy can protect you against survey errors, boundary disputes, deed errors, building-code violations by a previous owner, conflicting wills, claims by an ex-spouse who didn't sign off on the sale, forged documents, liens from contractors or previous lenders, encroachments, and improperly recorded documents.
What does title insurance not cover?
It doesn't protect against issues newly created after you buy — like failing to pay a contractor or your property taxes — or against eminent domain. It protects against issues that existed before you purchased and might have affected your decision to buy.
Standard vs. expanded coverage — which is right for me?
A standard owner's policy covers most common defects. An expanded (or "enhanced") policy adds protection for risks like post-policy forgery, identity theft and certain building-permit issues, and may increase coverage as your home appreciates. We'll walk through your options and recommend what fits.
Peace of mind, in one policy.
Start your title order or ask us anything about protecting your purchase.