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Title is a collective term that makes up your legal rights to own, possess, use, control and dispose of land.

Title insurance protects the buyer of a home against loss or damage due to title defects or encumbrances.

A title defect is something missing from the title, like an undisclosed heir from a previous owner. An encumbrance is a claim made upon the land by someone other than the owner, for example, a power company may have an easement for a power line to serve your house.

Generally, the buyer’s attorney orders title insurance after attorney review or when a home is through inspections, although some wait until they receive a mortgage commitment. Ordering title generally takes one week.

With searchers located in all 21 counties, Associated Title Agency is the full-service title insurance agency for Berkshire Hathaway HomeServices New Jersey Properties.