Why Title Insurance?

Protecting Your Property Rights

When you purchase a property, you want the confidence of knowing that it's truly yours — free from undisclosed claims, liens, or ownership disputes. Title insurance provides that peace of mind by ensuring that no one else, aside from a mortgage lender, has a legal claim or restriction against your home.

Even the most thorough title searches can occasionally miss issues hidden in public records or caused by clerical errors, forgeries, or other complications that aren’t easily detected. Title insurance protects you from financial losses stemming from these hidden risks — covering matters tied to the property's past that may not surface until after the sale.

With just a one-time premium, your policy remains in effect for as long as you or your heirs own the property, offering lasting protection that can span decades.

About Our Team

We Keep You Informed

At Quality Title of Willmar, Inc., going above and beyond for our clients isn’t the exception — it’s how we operate every day. With offices in both Willmar and Olivia, Minnesota, we’re proud to serve individuals and professionals across the region.

Whether you’re currently navigating a transaction or addressing an issue long after closing, our team is here to help. We’ll guide you through the protections provided by your title insurance policy and assist in resolving any past title defects, should a claim arise.

FAQs

A lender’s policy protects the financial institution providing your mortgage. It ensures that their investment is safeguarded against title defects, liens, or other issues that could affect their rights to the property. This policy remains in effect until the loan is paid off.
An owner’s policy protects your legal ownership of the property. It covers potential risks that may not be uncovered during the title search, such as undisclosed heirs, recording errors, or forged documents. This policy lasts as long as you or your heirs own the home.
An owner’s policy offers financial protection and legal defense in the event of a title dispute. It helps cover costs associated with claims against your property that are tied to past events — even those that occurred before you purchased it.
In many transactions, sellers are required to provide a clear title to the buyer. Title insurance helps confirm that the property is free of issues that could delay or jeopardize the sale. It also shows good faith and transparency in the transaction process.
Title insurance gives buyers peace of mind. It protects against unforeseen claims or legal issues related to the ownership history of the property. With an owner’s policy, the buyer is shielded from financial loss due to problems with the title after the purchase.
Title insurance protects against many potential risks, including unknown liens, forgery, errors in public records, missing heirs, and boundary disputes. It covers both financial loss and legal fees if a covered issue arises.
Title insurance is a one-time premium paid at closing. The cost varies based on the property’s value and location, but it typically ranges from a few hundred to a couple thousand dollars. Once purchased, the policy remains in effect for as long as you own the home.
If a covered title defect arises after closing, your title insurance policy helps protect you. The title company will investigate the claim and may provide legal defense or compensation, depending on the situation and terms of your policy.

Get In Touch With
Quality Title of Willmar, Inc.

Before, during, or after closing, our experienced and dedicated team at Quality Title of Willmar, Inc can guide you through any title situation. We are available to bring each transaction to a successful close on behalf of the parties.

With backgrounds in real estate sales, mortgage lending, and legal guidance, we inspect all details and ensure paperwork is prepared with as little inconvenience to the buyer and seller as possible. If you are in Olivia or Willmar, MN, and need title assistance, do not hesitate to reach out to our title insurance company.

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