Sibcy Cline Title Agency

Sibcy Cline Title Insurance gives you peace of mind.

Welcome to Sibcy Cline Title Agency

When you buy a home, you want to be certain it legally belongs to you. Even the most diligent search of public records could fail to disclose a number of title defects that could render the title void.

Circumstances such as a forged will or deed, or fraudulent impersonations are just a few problems that will not be found in an initial title search. Without the protection of title insurance, you could be in jeopardy of losing the investment in your home.

For a small cost, title insurance gives the homeowner peace of mind and provides coverage that lasts forever. With Sibcy Cline Title Agency's title insurance, your home will be protected now and in the future. Defense against any attack on the title is offered to the insured property and protects against financial losses caused by such title defects - whether they appear months after the purchase or years later.

Try our Title Insurance Premium Calculator to estimate your title insurance premiums!

Frequently Asked Questions

A title is the foundation of property ownership. It is the owner's right to possess and use the property.
A title search is a detailed examination of the historical records concerning a property. These records include deeds, court records, property and name indexes and many other documents. The purpose of the search is to verify the seller's right to transfer ownership, and to discover any claims, defects and other rights or burdens on the property.
Yes. There are some "hidden hazards" that even the most diligent title search may never reveal. For instance, the previous owner could have incorrectly stated his marital status, resulting in a possible claim by his legal spouse. Other "hidden hazards" include fraud and forgery, defective deeds, mental incompetence, confusion due to similar or identical names and clerical errors in the records. These defects can arise after you've purchased your home and can jeopardize your right to ownership.
Title insurance is your policy of protection against losses if any of these problems - even a "hidden hazard" - results in a claim against your ownership.
If a claim is made against your property, title insurance will, in accordance with the terms of your policy, assure you of a legal defense - and pay all court costs and related fees. Also, if the claim proves valid, you will be reimbursed for your actual loss up to the face amount of the policy.
A title policy insuring the builder does not protect you. Also, a great many things could have happened to the land since the builder's policy was issued. Liens, judgments and unpaid taxes for which prior owners were responsible may be disclosed after you purchase the property - causing you aggravation and costing you money. (With such problems and without your own policy, you would have to sue the builder at your cost.)
Yes. Basically there are two different type of policies - a loan policy and an owner's policy. The loan policy protects the lender's interest in the property as security for the outstanding balance under the buyer's mortgage. The owner's policy safeguards the buyer's investment or equity in the property up to the face amount of the policy. (Title insurers in Ohio offer increased policy coverage through inflation endorsement to cover increases on value due to inflation.)
Probably a lot less than you think. Charges vary in different states, but generally the cost of title insurance (including search, examination and related services) amounts to about one-percent, or less, of the cost of the property. And unlike other insurance premiums, which must be paid annually, a title insurance premium is paid one time only, usually at settlement.