Title insurance provides a guarantee of ownership of your home. It informs you of the nature of any other interests in the property (liens and encumbrances) and protects you against unknown claims of ownership to or interests in your property. Before a transaction involving a loan or sale of the property is completed, the title company searches appropriate land records to determine ownership, claims, legal documents, and other matters that may affect the property. This search discloses recorded deeds, mortgages, judgments, taxes, liens and other legal matters. The results of the record examination will then be summarized in a preliminary document called a “Commitment for Title Insurance”.