American Title provides real estate title insurance for investors, lenders and homeowners in NJ. 

When a home is purchased, both Lender’s Policies and Owners’ Policies, should be considered by the new homeowner. 

Lender’s Title Policies are typically required by a mortgage company and protect ownership rights for as long as the mortgage lasts.  Once the mortgage is paid off, there is no insurance protection if some unforeseen ownership claim should arise. 

Owner’s Policy continue to cover you long after the mortgage is paid off. For one small upfront cost paid at the time of settlement, an Owner’s Policy will protect your ownership rights for as long as you or your heirs own the property.      

For either type of policy, if we find complications, such as liens, errors in the public record, easements, or missing heirs, while searching the public records on your future property, we will help you understand and resolve those problems.