What Is Title Insurance and Why Does It Matter When Buying a Home?

Protecting Your Most Important Investment

When you’re buying a home, there are a lot of moving pieces. Home inspections, appraisals, mortgages, closing costs, and paperwork galore. But one of the most overlooked (and misunderstood) pieces of the puzzle is title insurance.

Title insurance protects your legal ownership of a property. Without it, a surprise lien, claim, or dispute over past ownership could jeopardize your rights even after you’ve moved in.

At Century 21 Realty Services, we guide you through every step of the home buying process, and that includes making sure your investment is protected from day one. That’s why we work closely with Purity Abstract, a local and experienced title company serving Central Pennsylvania.

What Exactly Is Title Insurance?

Title insurance is a one time purchase that protects you from financial loss related to defects in a property’s title. These issues might not show up until after you’ve closed on your new home and by then, they can be costly and stressful.

Common issues title insurance covers:

• Unpaid property taxes or liens
• Forged signatures or undisclosed heirs
• Errors in public records
• Boundary disputes or incorrect legal descriptions
• Mistakes in prior title transfers

Unlike other types of insurance that protect you from future risks, title insurance defends against problems from the past issues that might have been missed in public records or prior ownership.

Why Local Expertise Matters

Here’s where Purity Abstract comes in. As a full service title agency affiliated with Century 21 Realty Services, Purity Abstract offers:

• Thorough title searches to uncover potential red flags before closing
• Owner’s and lender’s title insurance policies tailored to your situation
• Seamless coordination during closing, minimizing delays and confusion
• A local, experienced team that knows Central PA property laws inside and out

Because Purity Abstract is part of the same trusted network as Century 21 Realty Services, you benefit from streamlined communication, shared accountability, and an easier overall transaction.

Peace of Mind You Can Count On

Purchasing a home is one of the largest investments you’ll make in your life. Title insurance might seem like just another line item on your closing documents. But it’s actually your first layer of protection against unknown problems that could threaten your ownership or cost you thousands later.

By working with Century 21 Realty Services and Purity Abstract, you get the advantage of a full service real estate team that puts your peace of mind first.

Questions About Title Insurance?

We’re here to help. Whether you’re a first time buyer or a seasoned homeowner, our team is happy to walk you through the ins and outs of title insurance and how it fits into your home buying journey.

Ready to buy or sell with confidence?

Contact Century 21 Realty Services today, or learn more about Purity Abstract for expert title services you can trust.