SIMPLICITY CLOSINGS AND TITLE
TITLE SERVICE... MADE SIMPLE
We know you need a team you can trust. Simplicity Closings and Title
is your team.
We issue title insurance policies to buyers of land, homes, commercial properties, and industrial properties, and to lenders who make loans secured by real estate. In doing so, we help our clients secure their investments.
Our role in the world of title insurance is that of an agency. We conduct title searches and issue policies underwritten by insurance companies selected for their financial strength.
What is Title Insurance?
Title insurance protects real estate owners and lenders against any property loss or damage they might experience because of liens, encumbrances or defects in the title to the property. Each title insurance policy is subject to specific terms, conditions and exclusions. A title insurance policy insures against events that occurred in the past of the real estate property and the people who owned it, for a one-time premium paid at the close of the escrow.
What Does Title Insurance Cover?
Title insurance protects against claims from defects. Defects are things such as another person claiming an ownership interest, invalid divorces, wills not probated, improperly recorded documents, fraud, forgery, liens, encroachments, easements and other items that are specified in the insurance policy.
Why Do I Need Title Insurance?
Peace of mind. Buying a home is one of your largest investments in life. You expect to be able to occupy the property and use the property as you wish, to be free from debts or obligations not created or agreed to by you, and to be able to freely sell or encumber your property as security for a loan. Title Insurance guarantees that you own the property for which you bargained and “takes the risk out of acquiring property whose legal history is unknown to you.
2442 Devine Street
Columbia SC 29205