Clarifying Title Commitment Versus Title Insurance

  Question: In a recent column, you said that the title company would have no responsibility if the title commitment negligently failed to discover a “cloud on the title.” Isn’t that what title insurance is for? Can you please clarify?   Answer: I was trying to explain the difference between a title commitment and a title insurance…

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Title Commitment is Different From Title Insurance

  Question:  We recently purchased a home in Peoria.  After we signed the purchase contract, we got a “title commitment.”  After we closed on the sale, we got a “title insurance policy.”  What is the difference?   Answer:  A title commitment is generally issued by a title insurance company shortly after opening of escrow.  In…

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