Why Choose Brick City Title Insurance Agency?

The Primary function of title insurance is to eliminate risk and prevent losses. It protects your legal rights over the property, occupancy use, control and disposition of the property. Brick City Title Insurance Agency works closely with buyers, sellers, realtors and lenders throughout the transaction to ensure a positive closing experience. 

Purpose of Title Insurance

The primary function of title insurance is to eliminate risk and prevent losses. It protects your legal rights over the property, occupancy, use, control and disposition of the property.

Title Search / Commitment

Before issuing a policy, the title insurance agency will perform an extensive search of relevant public and historic records related to the property. The search may be performed by title agency personnel or the title agency’s underwriter(s) using public records. A title insurance commitment is issued only after these records are examined and a determination is made as to the interests, liens and encumbrances to the said property.

Two Types of Title Insurance Policies

Owner's Policy

An Owner’s policy is issued to you, the owner of the property, to protect you against any title defects that could potentially put your equity at risk. In the event a valid claim is filed, the policy will cover any financial loss up to the full amount of the owners title policy issued, as well as the cost of any legal defense of your title. You pay a one time premium and the policy will last as long as you or your heirs have an interest in the property.

Loan Policy

A loan policy is issued to the lender insuring that they have a valid, enforceable lien on the real estate that you (the borrower) have used as collateral. The loan policy is needed to cover the amount of the mortgage and is used to protect the lenders investment. The policy amount will decrease each year and eventually disappear as the loan is paid off.

Title Insurance Services








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Our Locations

We Are Open For Business

However, in an abundance of caution for COVID-19 and our customers safety.

BE ADVISED- we are sanitizing all public and employee areas on a regular basis.

In order to minimize the number of people in our lobby please call the office when you arrive and provide your cell phone number.

You will be advised to wait in the car, we will call when ready for you to sign and a member of our staff will meet you at the door and escort you directly to the closing room for signing.
If you have a special request please let your closer know before you arrive so that we can accommodate.

Should you be experiencing flu or cold like symptoms, call us so that we can make alternate arrangements.