I’m buying a home, but I don’t want to pay for title insurance. Should I get it or not?

I’m buying a home, but I don’t want to pay for title insurance. Should I get it or not?

When you are purchasing a new home, it is important that you receive free and clear title. Free and clear title means that the seller of the home can rightfully transfer full ownership of the property, and does so at the time of closing. Title insurance is an important necessity when purchasing property because it protects both the buyer and the lender in instances where there is a problem with the title.

For example, in instances of criminal conduct, the seller may attempt to sell a piece of property that he knows he does not have the legal right to sell. If title is not investigated, or if the seller is able to hide true ownership of the title, then after closing, the buyer will have paid money to the seller but will not be able to receive the property that they purchased. If the buyer has title insurance, the insurance company will typically reimburse the lender, or pay for the costs of any court actions, so that the buyer is not “on the hook” for the full purchase price. In less cut and dry circumstances, there can be an issue of title if there is a lien against the property that did not appear on the title search, or there may be a problem with the chain of title. While these problems usually do not amount to criminal conduct, they can still have a devastating effect on the sale of the property. Title insurance will help to pay for the cost of any court actions that may occur as the result of any liens or problems with the title, according to the terms of the title insurance purchased.

While usually title insurance is a just a mere precaution, you do not want to forego the protection and take your chances, hoping that the title is free and clear. If a problem does occur with title, it can be a costly legal process to correct the problem, and can even result in the loss of the entire money spent on the property. Therefore, this legal protection should always be utilized when available.

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More than 100% confident in Michael and John. Both have represented me in business law. Never seen anything they can't handle.read more
I love these guys, They do such a good job with all of my legal needs. They handle my business and family law. There strategies are top notch. Well done. And thank you.read more
Ryan Blake and Sherri Strong were so great to work with during my divorce. They were very responsive and understanding of my situation. I would highly reccommend using Hepworth and Associates.read more
My man was Tyler. He did an excellent job for me on all counts, his staff was very prompt to my inquiries. I always felt well taken care. I feel like i gained a friend😎read more
Mike was fast in responding to my situation. So far they have been great to respond to any and all questions. Will update later.read more
I used Micheal to get out of a commercial lease, he saved me $10,000 a month plus help me get money back from a former business partner that strapped me with an additional $42,000 in debt. Thanks Michael Hepworth really appreciate the help.read more
They are the best at what they do, very professional. I haven’t ever felt like just a client, I felt like they actually cared and tried as a great mentor when I was lost, willing to be their and give advice on a friendly level to. And although I wasn’t the easiest to deal with late on payment and keep wanting to hold off, Hepworth was always their on time to deal the best. Give it up for my man Ryan b he’s awsome and very fair. Hepworth is the way to go. Great service is what you can expect.read more
When I started looking for a divorce lawyer I was nervous because I had been married for 20 years (2nd marriage). So I googled inexpensive divorce lawyers and guess what, your law firm came up first. Coincidence? Maybe because I normally would look further but I had a good feeling about this firm. Turns out I was right. Ben Lawrence got in touch with me he listened to my story gave me his advice went over costs and how it worked and I was hooked. He was very intelligent, knowledgeable, and willing to help me the whole way through the process. He was the best person/lawyer I could have ever found. And I went with my gut!! He is the best!!!read more
Hepworth & Associates is amazing!!!! I would recommend them to all of my family and friends. They did a great job at communicating with me through the whole process and made sure my case was handled quickly and professionally. Sonja was very knowledgeable and made me feel at ease through the whole process. She answered all of my questions very quickly and made sure I knew what to expect through the process. I am so grateful I went with Hepworth!read more
I called just to see if anything could be done for my situation. They had an easy form for me to fill out for the attorney to review before deciding if I should come in for a free consultation. It was so easy and the secretary was very professional and kind. Even if I don't have a case, I will definitely be contacting them in the future if the need arises.read more
I have full confidence in their abilities and expertise.
I was facing a powerful multibiollion dollar corporation in a law suit! Me Hepworth and his associates did an outstanding job in representing me! I am so pleased with my representation! They kept me informed the entire time! They were sensitive to my concerns! They helped me get a very good settlement!If you want a bulldog attorney on your side, I can’t give you a better recommendation than Michael Hepworth and associates!read more
yes!! they saved me. I was being sued.they were wonderful and quickly got the other party to drop the case that should never have been started. they let us make payments on the lawyer fees. tyread more
This was the first time I have ever experienced any situation were I needed legal help! Mike and John were more help then I ever expected. They answered any and every question the first time even if it was the same question over and over again. I never felt like I was bothering any of them! I would use them in the future and highly recommend this office!!!read more
They were a godsend for me. I had looked for an attorney to help me for several years and they were the best. I won a difficult case dealing with homeowners association.read more
Exceptional staff. Do everything to help you with your case. Would definitely recommend going here for your legal needsread more
Fast response. Willing to answer any and all questions and gets back with you quick. I will be adding more to this review as time goes on.read more
I just wanna say a HUGGEEE thank you to Chelsea and Michael Hepworth in helping me getting my case dismissed!!!!! not only was Michael patient and understood my situation but he also made sure i wasn’t railroaded at the end of the day!! Chelsea did such a great job in gathering my information together and help me with my pay plan! I had to pay excessive fees for my impound fees and was short on funds and she completely understand where i was coming from! i recommend these guys to you not only are they SHARP but they get it down, my case is now dismissed COMPLETELY!! thank you Hepworth & Associates!!!read more
These guys are excellent attorneys and have a great staff! I highly recommend them!
my fiancée had to call there office repeatedly to get the status of my case. My fiancée singlehandedly kept the case from getting dismissed because it had sat carelessly dormant for so long and it was her that had to bring it to there attention. And then, when we suggested a way for them to address the obstacles created by my ex-wife and the careless mishandling of my matter (I suggested filing a Motion to Waive the Requirement for Respondent to Take the Parenting Class), your office responded that it couldn’t be done, when in fact, I knew it could be. I paid a paralegal to draft a motion, forwarded it to you and then your office copied it in and submitted it to the court…then the magic happened. The case was resolved and the divorce was granted. I provided you with the legal fodder to complete the job. I was told my case flat-fee agreement (in flat fee cases , I understand that I will not be billed for phone calls, faxes, court appearances, attorney preparation time, paralegal time, or any other hourly fees for work done by the Firm.) than I got a bill 2 years later for 540.98 said they could not reach me... also never got any final paperwork from them... I also did upfront fee $1,300.00 and now its at collections ... I did turn them in to the Utah State Bar...read more

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