Democracy Title Agency was founded on a foundation of strong customer care, attention to detail and is backed by the largest underwriter in the nation.  When you work with Democracy Title Agency, you are working with a team of title experts who are dedicated to making sure everything from searches to settlement to the issuance of the title policy is done in a timely manner.  At Democracy Title Agency we strive to provide personalized service and the highest level of professionalism. 

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The purchase of a home is often the single largest investment a person will make in a lifetime; therefore, the importance of fully protecting such an investment cannot be overstated.  Title insurance is protection which assures that the rights and interests of the property are as expected, that the transfer of ownership is completed correctly, and that the new owner receives protection from future claims against the property.  It is the most effective, most accepted, and least expensive way to protect property ownership rights. 

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With other types of casualty insurance such as auto, home, health, and life, a person thinks of insurance in terms of future loss due to the occurrence of some future event.  Title insurance provides coverage for future claims or losses due to title effects created by past events, prior to the acquisition of the property.  Most other types of insurance charge ongoing fees.  With title insurance, the original premium is the only cost paid during the entire ownership of the property, whether it is owned by the insured for 5 years or 30 years.   There are no annual payments to keep the policy in force. 

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Each policy is a contract of “indemnity.”  It agrees to assume the responsibility for the legal defense of the title for any defect covered under the policy’s terms and to reimburse for actual financial losses up to the policy limits. 

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