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Title Insurance.  Don't buy a home without it.  You could lose your home and still have to continue making the mortgage payments.  That nightmare can be avoided for just a few hundred dollars.

Title insurance sometimes seems like a waste of money to many people.  The buyer is required by the lender to pay for a lender's title policy and then at closing is asked whether they want to pay more to purchase an owner's title insurance policy.  It's treated like it's an insignificant extra that is something like an extended service guarantee.

Please, don't ever,ever,ever buy a house without purchasing an owner's title insurance policy.   Most people think that the only thing at risk is their equity in their home.   If they put a small amount down and don't plan on staying there long, they're willing to take a risk thinking they don't have much to lose.  Well, a little known fact is that when the title insurance company has to pay off a lender, it acquires the note on the property and can then enforce payment of any remaining balance from the borrower.  This is called subrogation.  It's similar to a collection agency.   They pay off the lender and then try to collect from the borrower. You'll end up making payments on a house you no longer own.  Even worse, they can claim a default of the mortgage and execute the acceleration clause which requires immediate payment of the entire balance.

Very few people in real estate actually realize the full implications of this liability.  I've heard too many agents and lawyers incorrectly minimize the liability. Title problems just don't happen that often. But it's very important to know the risks and consequences.

John Adams writing in the Atlanta Journal Constitution had a few excellent articles on this topic in August of 2002. The typical cost for insurance is around $2/thousand dollars of sales price.  It's a one time cost that protects you as long as you own the property.

Please, check out these sites that explain title insurance and what is and isn't covered.  There's an extended coverage policy that you might want to discuss with your lawyer before making a final decision.


Extended Coverage explained:                          




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Our market area is in the north metro Atlanta area.  We service Cobb County, north Fulton County, Dekalb County, Forsyth County and Gwinnett County.  We are very familiar with Sandy Springs, Dunwoody, Marietta, Roswell, Alpharetta, Buckhead, and Midtown. 

We have sold homes inside the perimeter and outside the perimeter.  We can't know everything so for clients who want to look for property in Peachtree City, Newnan, Stone Mountain, Douglasville, Macon and areas further out we will gladly recommend a good agent who specializes in those areas.

We help buyers negotiate with builders for residential new construction houses. New houses in Atlanta are hot right now. We can represent you in the purchase of your new house built by any of the following builders: Torrey Homes, MDC Homes, Centex Homes, Pulte Homes, Morrison Homes, Ryland Homes, John Wieland Homes, Winmark Homes, Meridian Homes, John Willis Homes, Benchmark Homes and many more home builders.

We can help clients find short term apartments for rent but normally we don't work with clients who are just looking for rentals.  We do help clients find Atlanta condos.  We can also help you purchase HUD homes in Atlanta.  We are an authorized agent with them and have the HUD key to get into HUD homes.  We have access to foreclosure homes that banks want to sell.

We love showing executive homes and luxury homes. We always like to know how people find our site.  Send us an email and tell us which search term you used. Some terms that we might be found by are realty Atlanta, Ga homes, Atlanta realty, condos Atlanta, Atlanta realestate, Atlanta property, houses Atlanta, Atlanta realtors, Ga houses, or realtors Atlanta.  Maybe you found us by typing in Atlanta MLS listings, or Atlanta MLS search, or MLS Atlanta GA. Hopefully we don't come up under nursing homes or funeral homes.

It is always amazing to me how the Internet can allow total strangers to find each other and build new business relationships.  It truly is becoming a small, interconnected world.


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All information about homes from the Atlanta MLS home search engine is input by thousands of individual real estate agents throughout Atlanta and is made available through a service called ListingBook. We provide access to this data for the convenience of our clients.  We have no control over this database.  All information on this web site is copyrighted and intellectual property of It is deemed to be current and accurate, but is not warranted. 2002. Tim is a licensed Realtor with Atlanta Communities Real Estate Brokerage.

Tim Maitski is a member of the Atlanta Board of Realtors