What are Some Typical Home Title Claims?

A claim against a home’s title is a claim from a third party that somewhere along the line of ownership of the property, a legal issue occurred and was left unresolved. Now that you are the owner of the property, this unresolved legal issue is, unfortunately, your responsibility. Title insurance protects you from these claims because your title insurance company will take care of the legal proceedings and associated fees for you. Without title insurance, you would have to take care of this matter yourself, which can be time-consuming and expensive. And because your lender also has ownership of your home until you’ve paid off your mortgage, a title claim becomes their responsibility as well. This is why you’re required to buy lender’s title insurance. So why not buy it for yourself as well? Get peace of mind and cover yourself from some of the following title claims with home title insurance in Maryland.

Typical Home Title Claims

Someone else owns an interest in the property

Unlikely as it seems, this can and does happen. If someone else claims a legitimate interest in the property, you’ll be very grateful that you purchased home title insurance in Maryland.


Forged documents due to fraud, impersonation, duress, incompetency, incapacity, or undue influence are not considered valid. If discovered, this could lead to a claim on your title.

Undisclosed Liens

Undisclosed liens can come about as a result of a “deed of trust, unpaid taxes, special assessments or homeowners association charges” that were left unpaid by a previous owner.


About Colony Title Associates:

Founded in 1995, Colony Title Group handles in excess of 2000 real estate closings in Washington DC and the Delmarva area every year. The founder Tee Tillman has over 23 years experience in the title and real estate law fields. Colony handles closings for several lenders, including banks, credit unions and mortgage brokers. Colony is the preferred choice for many real estate brokers in the Baltimore area. If you have any questions concerning issues that Baltimore title insurance protects you from, feel free to contact us at 410 884-1160 or visit ColonyTitle.com today!



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