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Fee/Owner Insurance

Owners Policy – Why Is It Important?

Who Needs It: Anyone looking to buy a home or property.

What Is It: An owner’s title insurance policy protects you as the property owner and your equity up to the full sale price of the property. Unlike mortgage policies, owner’s policies do not decline in value over time. A separate market value rider can also be purchased with the owner’s policy, to keep pace with inflation and insure to the full market value of the property as it rises over time.

Moreover, an owner’s title insurance policy premium is paid just once, and covers you forever, not just for the duration of your ownership of the property. It provides you with:

  • Free expert legal defense of title in case of a claim.
  • Reimbursement, from the title insurer (underwriter), up to the full value of the sold property if the defense should fail.
  • Long-term peace of mind. If a title claim is ever initiated against you, even after you have sold the property, you and your heirs will still be covered by your owner’s policy on that property.

Only an owner’s title insurance policy can protect you from financial damages as a result of a claim against your ownership. For these reasons, an owner’s title insurance policy is perhaps among the least expensive, yet most important insurance you can buy.

Before Purchasing A Home Or Property Ensure You Have Fee/Owner Title Insurance

Why It Matters: Most of us finance a property through a bank or mortgage company. These lenders have title insurance to protect their investments, but it is important to know that these policies do not cover you.

Many people mistakenly believe that the lender’s policy covers the buyer from the risk of a title claim. But most title claims do not affect the bank’s interest in the property. A neighbor’s encroachment, the discovery of an easement, improperly indexed tax records, or restrictions on your use, may affect your financial interest in the property, but not the lender’s.

The SMPR Difference: For over fifty years, SMPR has been insuring titles throughout New York and neighboring states. We perform an exhaustive research process on a property’s history and guide each client through the complex demands of modern real estate transactions.





SMPR Title Agency is a New York Title Insurance company. Our Title Insurance Agency is composed of real estate experts who provide our clients with comprehensive property transaction services including: Property Title Insurance, Mortgage Lender Insurance, Title Searches and Documentation Preparation Services.

We serve the following States, Cities, Zip Codes and Counties:
New York State, Albany County, Saratoga County, Columbia County, Westchester County, Washington County, Fulton County, Troy, Saratoga Springs, New York City, Rochester, Greene County, Rensselaer County, Bronx, Livingston County, Ontario County, Schoharie County, Warren County, Kings County, Madison County, Orange County, Dutchess County, Montgomery County, New York, Monroe County, Orleans County, Rockland County, Albany, Queens County, Oswego County, Schenectady, Rensselaer, Richmond County, Nassau County, Otsego County, Hudson, Long Island, Jefferson County, Niagara County, Putnam County, White Plains, Buffalo, Lewis County, Oneida County, Upstate NY, Capital District, Poughkeepsie, Onondaga County, Schenectady County, Schoharie County, Tompkins County, Broome County, Delaware County, Schuyler County, Ulster County, Cattaraugus County, Erie County, Seneca County, Cayuga County, Essex County, St Lawrence County, Chautauqua County, Franklin County, Steuben County, Wayne County, Chemung County, Genesee County, Suffolk County, Wyoming County, Chenango County, Hamilton County, Sullivan County, Yates County, Clinton County, Herkimer County, Tioga County, Allegany County, Cortland County

Title Insurance - Wikipedia | Internal Revenue Code Section 1031 - Wikipedia | Title Search - Wikipedia