Owner’s Title Insurance provides the buyer with complete assurance about the validity of the title, relieving both buyer and seller of liability for title problems such as fraud, improper transfers, undisclosed heirs, and human error in transcribing information. If someone claims they have rights to your land and you are covered by owners title insurance.

Mortgagee Title Insurance differs from owners title insurance in that the mortgagee policy insures the interest of the lender. The lender interest and owner interest are entirely different and are not transferable. Because the mortgagee policy insures the interest of the lender, the buyer pays for it as a part of the requirements for the loan.

A title insurance policy that insures only against defects of title appearing in the public records.

Searches of this type begin with the present and proceed back to the date of acquisition of the subject property by the current owner. Current owner searches cover all records contained in county Recorder's Offices, the Treasurer's office, and the Clerk of Courts and Probate Court which relate to the acquisition of the subject property by the current owner.

These searches begin with the present and proceed back 60 years. A Full 60 Year Search covers all records contained in county Recorder's Offices, the Treasurer's office, and the Clerk of Courts and Probate Court which relate to the subject property and current owners in the past 60 years. A Full 60 Year Search is required by our underwriters before Reliable Title Agency, Inc. can issue title insurance (unless Reliable Title Agency, Inc. has a previously issued title policy on the subject property which is less than ten years old).

The owners title insurance you received when you bought your home will provide you with a reduced rate on the title insurance you must purchase for the buyer when you sell your home. The Ohio Department of Insurance regulates rates for title insurance policies issued in Ohio so that consumers may take advantage of a reissue rate (40% less than the current rate) when they sell their homes. This allows us to perform a current owner search rather than a 60 year search, saving us time and you money.

A Lien search is the same as a current owner search except that we do not include a search of the records of the Probate Court.

A List Assist search proceeds from the present back to the date of acquisition by the current owner of the subject property, and is conducted in the county offices of the Recorder and Treasurer only. These searches are free of charge; the Auditor's Office can be included upon request for a small fee.

To obtain this information from the county records on any single subject property, just call our office with the owner's name, lot number, and subdivision name.

We can record any documents requiring recordation with the appropriate county office. For documents prepared at Reliable Title Agency, Inc., only the county office's filing fee will be charged.