產權保險
購物指南
挑選保險可能會讓人感到困惑。大多數人會以價格作為考量依據，但選擇合適的保障範圍和保險公司同樣重要。
Learn the Basics. It’s important to understand your options before you shop. See The Basics section to learn about common title insurance coverages.
購物的「三個C」：
費用、保障範圍與客製化
成本
The price you pay for title insurance is set by the Texas Department of Insurance (TDI). It includes the cost of the title search and examination, closing, and issuing the policy. The premium is based on the property’s sale value.報導範圍
Title policy forms in Texas are standardized. This means coverage is the same or uniform from policy to policy.
自訂
Most kinds of additional coverage are required by the lender as part of the lender policy. Additional coverage options for owner policies exist but are limited. One example: An owners policy only covers the value of your property at the time you buy it. You may buy an “increased value endorsement” that covers the increase in your property’s value.
其他需要考慮的事項
Agents – Title insurance agents will identify problems with the title that need to be corrected before you buy your home or property. Agents check for problems with your title by looking at public records, including deeds, mortgages, wills, divorce decrees, court judgments, tax records, liens, encumbrances, and maps.
*️⃣ You may pick any title agent you want. You don’t have to use the agent the real estate company or lender recommends.
*️⃣ Make sure the agent you use is licensed. It’s illegal to sell title insurance without a license.
必知術語
Closing costs – the amount you pay to complete a property sale or purchase. Closing costs may include a down payment, taxes, fees, title insurance, and real estate commissions.
Heir – a person with a legal right to inherit property.
Lender – an organization or person that lends money. For example, a bank is a lender.
Lien – a right to keep possession of property owned by another person until a debt is paid off.
Premium – the amount you pay for title insurance.
保單——您與保險公司之間簽訂的合約。保單會說明承保範圍，以及保險公司必須支付的理賠金額。