In North Carolina, title insurance protects buyers and lenders from loss due to defects in a property's title. This type of insurance covers issues such as undiscovered liens, ownership disputes, or clerical errors that could affect the validity of the title.

North Carolina law requires title searches to be conducted by a licensed North Carolina attorney before closing, but title insurance offers additional peace of mind by safeguarding against issues that may be discovered after the transaction is complete. It is a one-time premium paid at closing that protects you for as long as you own your property.

United Title Company understands that each real estate transaction is unique, much like the land being insured. We have the experience and knowledge necessary to guide clients through this process.

For more information about the basics of title insurance, please visit the North Carolina Department of Insurance’s website. 

United Title Company has the knowledge necessary to guide clients through every phase of complex commercial transactions, from land acquisition through the completion of construction. With deep knowledge of North Carolina’s real estate laws and industry practices, we help ensure that all title and legal issues are thoroughly addressed at each step. We have extensive experience underwriting and issuing a wide variety of commercial endorsements, analyzing surveys, and identifying permitted uses in zoning ordinances.

Our team identifies potential risks and works closely with developers, lenders, and legal professionals to ensure smooth project progress. With years of experience insuring a wide range of commercial projects—such as multi-family complexes, hotels, car washes, restaurants, schools, country clubs and car dealerships—United Title Company has the expertise required to successfully manage the unique needs of each transaction.

Owner's Policies:
An owner’s title insurance policy protects against losses resulting from various types of defects that may exist in the title history of a property, many of which can remain undiscovered even with the most careful examination. Your policy will describe your property, define your ownership interest and list exceptions and exclusions. Exceptions and exclusions could include your mortgage, property taxes (which are due annually), and other common encumbrances that do not affect the value of your property such as utility easements or restrictive covenants.

Title insurance can safeguard a wide range of properties, including vacant land, manufactured homes, townhouses, condos and single family or multi-family houses. This protection is effective upon issuance of the policy and remains in effect as long as you or your heirs own the property. The premium for the title insurance is a one-time fee and will be collected by your attorney at the time of closing.

You have the right to choose the title insurance company you want. You do not have to use a title company selected by a real estate agent or lender.

Loan Policies:
Most lending institutions require a loan title insurance policy as a condition for loaning money for a house or other property. This policy protects the lender’s investment if a title defect arises. The lender's policy of insurance does not protect the homeowner.