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Our Mission to Provide Excellence

Liberty Title & Abstract, Inc. is an efficient and competitive Title Company serving individuals and businesses throughout Brown County, and the surrounding counties. We strive to provide all of our clients with exceptional customer service and accommodate your needs accurately and efficiently..

What Is Title Insurance and Why Is It Important?

Title Insurance is your protection policy against loss or defects on a specified property. Title Insurance policies protect you, the insured, from claims attached to the property prior to the time of ownership.

A detailed examination or title search of the public records is performed on the specified property to show any title defects and liens, as well as other encumbrances and restrictions, affecting a specific tract of land. Unpaid real estate taxes, unsatisfied mortgages, judgments against the current property owners, and any restrictions limiting the use of the land, are just a few examples. A title search is also done to insure that the current owner of record has a right to transfer ownership of the property with no outstanding liens, defects, or burdens on the property.

The most common problems that are covered by title insurance include fraud, forgery, judgments, unpaid taxes, liens, defective deeds, clerical errors within the public records, and mental incompetence. Any of these defects may jeopardize your ownership rights of the said property.

However, should a claim arise, in accordance with the terms of your policy, your title insurance policy is there to assure you of a legal defense.

Charges for Title Insurance may vary, but are considered to be very reasonable as normally it is a non re-occurring fee at the time of closing.

Title Insurance Protection

Some common hidden risks protected under a title policy:

• False Impersonation of the true owner of the property by your seller or other persons formerly in title.
• Forged deeds, releases and other documents
• Deeds By Persons of Unsound Mind
• Deeds By Minors
• Invalid Documents executed under expired power of attorney
• Invalid Deeds delivered after the death of the grantor
• Deeds by Supposedly Single persons but actually married
• Fraud
• Liens For Unpaid Estate Inheritance and gift taxes against prior owners of your home
• Unrecorded Easements – rights of way
• Undisclosed Heirs of former owners of your home or the land on which it is situated

Title insurance adds security of ownership and peace of mind to the homeowner and the lender.

Liberty Title & Abstract, Inc. uses Stewart Title Guaranty Company for their underwriter.

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