Title Insurance and Settlement Services

Protect Your Home

Making final settlement is more than signing all the paperwork. It’s making the best decisions to protect you, your family, and your rightful ownership of your home. H&H Settlement Services will manage your final settlement and walk you through all the important milestones and decisions you’ll need to make.

Title Insurance is Your Assurance

If you are borrowing money to purchase residential or commercial real estate, or if you’re refinancing an existing mortgage loan, your lender will require that you purchase a Lender Policy to protect their interests. Although an Owner Policy is not mandatory, it is highly recommended to protect the owner’s rights – and guard against expensive legal problems – should your legal ownership be contested.

What is Title Insurance?

How does it protect the homeowner?

Title Insurance is about assurance. Title Insurance is a one-time payment paid by the buyer based on the mortgage or refinance amount, and is paid at settlement as part of closing costs. This insurance policy protects the Lender, and Owner if a separate Owner’s policy is purchased, from future claims that may involve the property. With title insurance, the lender (and buyer if an Owner’s policy is purchased) will not be responsible for any legal fees associated with defending any claims, which may include the previous owners’ unpaid mortgage, back taxes, boundary line disputes or garnished wages.

How much does Title Insurance cost?

The cost of your title insurance is controlled by state law and will depend on the purchase price of the property and the mortgage loan amount. Additional fees will apply for any endorsements the lender may require, along with nominal title processing fees. To estimate the cost of your title insurance, try our instant title calculator.

Title Calculator

The History of Title Insurance

The historical need for title insurance is rooted in early American times when determining a rightful land owner in the colonial US was difficult. Land purchases were inadequately recorded and property lines were blurry. Boundary disputes fill our history books: William Penn and Lord Baltimore, the Colonists and the Native Americans. Early land conveyors offered no protection to the buyer or seller and property disputes often lead to intense conflict or litigation. All too often, the buyer lost his land.

When do I order my title insurance?

If you have been assigned a settlement date, or if you have a signed Agreement of Sale, you’re ready to contact your preferred settlement company and discuss your title insurance options. Get started with a quote or use our online order form.

Order Form

We’ll handle all the necessary steps to legally transfer ownership to you:

Perform Title Search
Clear Title Defects
Issue Title Insurance policies
Hold monies in escrow
Prepare and review your settlement sheets
Record Mortgage & Deed with local municipalities

H&H is an official agent for Old Republic National Title, Chicago Title, Fidelity National Title Group, and Stewart Title. As members of ALTA, the American Land Title Association, we follow all ALTA guidelines for best practices for title insurance companies.