{"id":984,"date":"2017-06-05T20:56:30","date_gmt":"2017-06-06T00:56:30","guid":{"rendered":"https:\/\/titlecompanywebdesign.com\/faxonsettlement\/?page_id=984"},"modified":"2023-01-09T16:45:50","modified_gmt":"2023-01-09T21:45:50","slug":"why-title-insurance","status":"publish","type":"page","link":"https:\/\/titlecompanywebdesign.com\/faxonsettlement\/why-title-insurance\/","title":{"rendered":"Why Title Insurance?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; admin_label=&#8221;Section&#8221; module_class=&#8221;tt-header-default&#8221; _builder_version=&#8221;3.22&#8243; background_color=&#8221;#520014&#8243; custom_padding=&#8221;30px||30px|&#8221; custom_padding_tablet=&#8221;30px||30px|&#8221; transparent_background=&#8221;off&#8221; padding_mobile=&#8221;on&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221; global_module=&#8221;696&#8243;][et_pb_fullwidth_post_title meta=&#8221;off&#8221; featured_image=&#8221;off&#8221; text_color=&#8221;light&#8221; _builder_version=&#8221;3.0.87&#8243; title_font=&#8221;|||on|&#8221; title_font_size=&#8221;35px&#8221; title_all_caps=&#8221;on&#8221; background_color=&#8221;rgba(255,255,255,0)&#8221; parallax=&#8221;on&#8221; text_orientation=&#8221;center&#8221; custom_padding=&#8221;30px||30px|&#8221; title_font_size_tablet=&#8221;30px&#8221; title_font_size_phone=&#8221;25px&#8221; title_font_size_last_edited=&#8221;on|phone&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; parallax_effect=&#8221;on&#8221; module_bg_color=&#8221;rgba(255,255,255,0)&#8221;][\/et_pb_fullwidth_post_title][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; specialty=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; parallax_method_1=&#8221;off&#8221; parallax_method_2=&#8221;off&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;3.22&#8243; background_color=&#8221;#f3f3f3&#8243; custom_padding_tablet=&#8221;50px|0|50px|0&#8243; transparent_background=&#8221;off&#8221; padding_mobile=&#8221;off&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221;][et_pb_column type=&#8221;2_3&#8243; specialty_columns=&#8221;2&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_row_inner admin_label=&#8221;Row&#8221; _builder_version=&#8221;3.25&#8243;][et_pb_column_inner saved_specialty_column_type=&#8221;2_3&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/titlecompanywebdesign.com\/faxonsettlement\/wp-content\/uploads\/sites\/68\/2017\/05\/1280px-Arboretum_at_Penn_State_-_069.jpg&#8221; align=&#8221;center&#8221; align_tablet=&#8221;center&#8221; align_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;Image &#8211; Arboretum&#8221; _builder_version=&#8221;3.23&#8243; custom_margin=&#8221;|5%||5%&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;|0px||0px&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; animation=&#8221;off&#8221; sticky=&#8221;off&#8221; always_center_on_mobile=&#8221;on&#8221; global_module=&#8221;847&#8243; saved_tabs=&#8221;all&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;Lorem ipsum&#8221; _builder_version=&#8221;3.27.4&#8243; text_font_size=&#8221;16&#8243; text_line_height=&#8221;1.8em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221;]<\/p>\n<h2>Title Insurance, and Why it&#8217;s So Important<\/h2>\n<p>Purchasing a home or land is a different buying experience and you need to protect that investment. Record-keeping has been done for years and years, but updated records have made errors in the past come back to the surface. Previous owner debts, legal judgements, and liens can show up without notice. These issues are huge roadblocks to your property and land ownership rights. Owner&#8217;s title insurance protects you against these issues by guaranteeing that you have free rights of ownership. This affects not only current but previous owners and issues. At Faxon Settlement Services, LLC, our goal is to ensure that any problems are handled prior to your closing and we will insure that proper recording is done for you.<\/p>\n<h3>There are two types of title insurance:<\/h3>\n<ul>\n<li>Owner\u2019s Title Insurance<\/li>\n<li>Lender\u2019s Title Insurance<\/li>\n<\/ul>\n<h3>A few examples that can affect Title:<\/h3>\n<ul>\n<li>Forged deeds<\/li>\n<li>Deed executed by a minor<\/li>\n<li>Deed executed with a Power of Attorney that has been revoked or not recorded<\/li>\n<li>Deed executed by an insane\/incompetent person<\/li>\n<li>A missed heir that has a right to the property<\/li>\n<li>Inheritance Tax Liens<\/li>\n<li>Improper Acknowledgments<\/li>\n<li>Misfiling of Documents<\/li>\n<li>Unsatisfied Liens<\/li>\n<\/ul>\n<p>These are just a few of the most common items that can affect title.<\/p>\n<p>When you purchase a home, it is a necessity to purchase an Owner&#8217;s Title Insurance Policy. You will be covered for the above listed examples and many others. Unlike other forms of insurance, you only need to purchase an Owner\u2019s Policy once and it will cover you for the entire time you own that property.<\/p>\n<p>Most lenders require a Lender\u2019s Title Insurance Policy, also known as a Loan Policy. They want to protect against loss and ensure title is clear before they will lend money.<\/p>\n<p>If a lender requires title insurance, don\u2019t you think it would be prudent for you as well.<br \/>\n[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_sidebar orientation=&#8221;right&#8221; area=&#8221;sidebar-1&#8243; show_border=&#8221;off&#8221; admin_label=&#8221;Sidebar&#8221; _builder_version=&#8221;3.0.74&#8243; custom_css_widget=&#8221;box-shadow: 0px 2px 3px rgba(0,0,0,0.15);&#8221; remove_border=&#8221;on&#8221; global_module=&#8221;698&#8243; saved_tabs=&#8221;all&#8221;][\/et_pb_sidebar][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; parallax_method_1=&#8221;off&#8221; parallax_method_2=&#8221;off&#8221; background_color_1=&#8221;#ffffff&#8221; background_color_2=&#8221;#ffffff&#8221; padding_top_2=&#8221;30px&#8221; padding_left_2=&#8221;30px&#8221; admin_label=&#8221;Section&#8221; _builder_version=&#8221;3.22&#8243; custom_padding=&#8221;30px|0px|30px|0px&#8221; custom_padding_tablet=&#8221;30px|0px|30px|0px&#8221; transparent_background=&#8221;off&#8221; padding_mobile=&#8221;on&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221; global_module=&#8221;711&#8243;][et_pb_row padding_mobile=&#8221;off&#8221; column_padding_mobile=&#8221;on&#8221; module_class=&#8221; et_pb_row_fullwidth et_pb_row_fullwidth&#8221; _builder_version=&#8221;3.25&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;89%&#8221; width_tablet=&#8221;80%&#8221; width_phone=&#8221;&#8221; width_last_edited=&#8221;on|desktop&#8221; max_width=&#8221;89%&#8221; max_width_tablet=&#8221;80%&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|desktop&#8221; make_fullwidth=&#8221;on&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221; custom_width_px=&#8221;1080px&#8221; custom_width_percent=&#8221;80%&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;OUR PARTNERS&#8221; _builder_version=&#8221;3.27.4&#8243; text_text_color=&#8221;#222222&#8243; text_font_size=&#8221;40&#8243; text_line_height=&#8221;1.5em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_orientation=&#8221;center&#8221; module_alignment=&#8221;center&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;30&#8243; text_font_size_last_edited=&#8221;on|desktop&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221;]<\/p>\n<h3 class=\"tt-section-header\">Our Partners<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row padding_mobile=&#8221;off&#8221; column_padding_mobile=&#8221;on&#8221; _builder_version=&#8221;3.25&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;off&#8221; custom_width_px=&#8221;1080px&#8221; custom_width_percent=&#8221;80%&#8221; column_structure=&#8221;1_4,1_4,1_4,1_4&#8243;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;3.0.47&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/titlecompanywebdesign.com\/faxonsettlement\/wp-content\/uploads\/sites\/68\/2016\/08\/934.png&#8221; align=&#8221;center&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;3.23&#8243; custom_margin=&#8221;20px|||&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; animation=&#8221;off&#8221; sticky=&#8221;off&#8221; always_center_on_mobile=&#8221;on&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;3.0.47&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/titlecompanywebdesign.com\/faxonsettlement\/wp-content\/uploads\/sites\/68\/2016\/08\/936.png&#8221; align=&#8221;center&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;3.23&#8243; custom_margin=&#8221;10px|||&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; animation=&#8221;off&#8221; sticky=&#8221;off&#8221; always_center_on_mobile=&#8221;on&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;3.0.47&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/titlecompanywebdesign.com\/faxonsettlement\/wp-content\/uploads\/sites\/68\/2016\/08\/blue-seal-280-80-bbb-71016917.png&#8221; url=&#8221;http:\/\/www.bbb.org\/pittsburgh\/business-reviews\/title-companies-and-agents\/faxon-settlement-services-llc-in-state-college-pa-71016917\/#sealclick&#8221; url_new_window=&#8221;on&#8221; align=&#8221;center&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;3.23&#8243; custom_margin=&#8221;30px|||&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; animation=&#8221;off&#8221; sticky=&#8221;off&#8221; always_center_on_mobile=&#8221;on&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;3.0.47&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/titlecompanywebdesign.com\/faxonsettlement\/wp-content\/uploads\/sites\/68\/2016\/08\/932.jpg&#8221; align=&#8221;center&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;3.23&#8243; max_width=&#8221;80px&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; animation=&#8221;off&#8221; sticky=&#8221;off&#8221; always_center_on_mobile=&#8221;on&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;3.25&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; column_structure=&#8221;1_3,1_3,1_3&#8243;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.0.47&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/titlecompanywebdesign.com\/faxonsettlement\/wp-content\/uploads\/sites\/68\/2016\/08\/First-American-Title-Insurance-Company.png&#8221; url=&#8221;http:\/\/www.firstam.com&#8221; url_new_window=&#8221;on&#8221; align=&#8221;center&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;3.23&#8243; custom_margin=&#8221;|||-10px&#8221; hover_enabled=&#8221;0&#8243; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; animation=&#8221;off&#8221; sticky=&#8221;off&#8221; always_center_on_mobile=&#8221;on&#8221; disabled_on=&#8221;on|on|on&#8221; disabled=&#8221;on&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.0.47&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_image src=&#8221;https:\/\/titlecompanywebdesign.com\/faxonsettlement\/wp-content\/uploads\/sites\/68\/2016\/08\/Fidelity-Logo.jpg&#8221; url=&#8221;http:\/\/www.fntic.com&#8221; url_new_window=&#8221;on&#8221; align=&#8221;center&#8221; align_tablet=&#8221;center&#8221; align_phone=&#8221;&#8221; align_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;3.23&#8243; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221; animation=&#8221;off&#8221; sticky=&#8221;off&#8221; always_center_on_mobile=&#8221;on&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.0.47&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;3.25&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_divider color=&#8221;#e3e3e3&#8243; divider_position=&#8221;center&#8221; _builder_version=&#8221;3.2&#8243; height=&#8221;60px&#8221; hide_on_mobile=&#8221;off&#8221;][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; padding_mobile=&#8221;on&#8221; make_equal=&#8221;on&#8221; column_padding_mobile=&#8221;on&#8221; _builder_version=&#8221;3.25&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;on&#8221; column_structure=&#8221;2_3,1_3&#8243;][et_pb_column type=&#8221;2_3&#8243; _builder_version=&#8221;3.25&#8243; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_map address=&#8221;2125 E College Ave #202, State College, PA 16801, USA&#8221; zoom_level=&#8221;9&#8243; address_lat=&#8221;41.05236436854423&#8243; address_lng=&#8221;-77.32290987437409&#8243; _builder_version=&#8221;3.0.91&#8243; child_filter_saturate=&#8221;65%&#8221; saved_tabs=&#8221;all&#8221;][et_pb_map_pin title=&#8221;State College&#8221; pin_address=&#8221;2125 E College Ave #202, State College, PA 16801, USA&#8221; pin_address_lat=&#8221;40.820409&#8243; pin_address_lng=&#8221;-77.81618200000003&#8243; _builder_version=&#8221;3.0.47&#8243;]<\/p>\n<p>2125 E College Ave., Ste. 202<br \/>\nState College, PA 16801<\/p>\n<p>[\/et_pb_map_pin][et_pb_map_pin title=&#8221;Montoursville&#8221; pin_address=&#8221;180 Choate Cir #2, Montoursville, PA 17754, USA&#8221; pin_address_lat=&#8221;41.2495955&#8243; pin_address_lng=&#8221;-76.89294840000002&#8243; _builder_version=&#8221;3.0.47&#8243;]<\/p>\n<p>180 Choate Circle #2 Montoursville, PA 17754<\/p>\n<p>[\/et_pb_map_pin][et_pb_map_pin title=&#8221;Lewisburg&#8221; pin_address=&#8221;136 N 8th St, Lewisburg, PA 17837, USA&#8221; pin_address_lat=&#8221;40.96289120000001&#8243; pin_address_lng=&#8221;-76.89159740000002&#8243; _builder_version=&#8221;3.0.47&#8243;]<\/p>\n<p>136 N 8th Street<br \/>\nLewisburg, PA 17837<\/p>\n<p>[\/et_pb_map_pin][\/et_pb_map][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;3.25&#8243; background_color=&#8221;#ffffff&#8221; custom_padding=&#8221;10px||30px|30px&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;GET IN TOUCH&#8221; _builder_version=&#8221;3.27.4&#8243; text_line_height=&#8221;1.5em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; text_font_size_last_edited=&#8221;off|desktop&#8221; use_border_color=&#8221;off&#8221; border_color=&#8221;#ffffff&#8221; border_style=&#8221;solid&#8221;]<\/p>\n<h3 class=\"tt-section-subheader\">Office Locations<\/h3>\n<p><strong>State College<\/strong><br \/>\n2125 E College Ave. Ste.202 <br \/>\nState College, PA 16801\n<\/p>\n<p><strong>Montoursville<\/strong><br \/>\n180 Choate Circle #2 <br \/>\nMontoursville, PA 17754<\/p>\n<p><strong>Lewisburg<\/strong><br \/>\n136 N 8th Street <br \/>\nLewisburg, PA 17837<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;GET IN TOUCH&#8221; _builder_version=&#8221;3.27.4&#8243; text_line_height=&#8221;1.5em&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; 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