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Kerry's Title Blog

What Do You Mean, I only own ½?

Posted by Kerry Hagan | Dec 11, 2023 | 0 Comments

I feel sorry for people, I really do. One of the things I always say is: get your property deed and your Last Will and Testament straight. It's the smartest money you'll ever spend. Some folks listen. Some don't. But I feel bad because of the following situation that happens all the time...

Competition is Good For You

Posted by Kerry Hagan | Dec 11, 2023 | 0 Comments

Competition is good for you... Title insurance prices are set by monopoly and not competition. The Texas Public Policy Foundation wrote a policy paper entitled Heavy Regulations, High Profits, and Wasteful Spending: An Examination of the Texas Title Insurance Market. . . .

With Title Insurance You Buy a Form

Posted by Kerry Hagan | Dec 11, 2023 | 0 Comments

A brief word about title insurance policies: THEY ARE ALL THE SAME! In fact, the State Boardof Insurance website says that since title insurance policies sell a regulated product, you can'tnegotiate policy language. The names and legal property description for your land sale aredifferent, but the...

Title Insurance for what?

Posted by Kerry Hagan | Dec 11, 2023 | 0 Comments

Almost 50 years ago, in the Texas Monthly article “Trust Me, Just Sign Here,” Paul Burka wrote: “If the title company does its work properly, its chances of suffering a loss are zero.  In other words, when you buy title insurance, what you are really doing is paying the title company to protect...

The Big Picture

Posted by Kerry Hagan | Dec 11, 2023 | 0 Comments

The “big picture” is that land “ownership” is actually a series of future land ownership “trades.”Here is a likely series of future land transfer values on the same property: $500,000 ➜ $800,000➜ $1,500,000 ➜ $2,400,000. If title insurance is bypassed and not paid on these transfers, thesavings f...

What the heck are “Title Defects?”

Posted by Kerry Hagan | Dec 11, 2023 | 0 Comments

Problems with the Capacity of Signers, Marital Property, Wills, Heirship when there is no Will, Property Descriptions and Easements, and Liens and Encumbrances are the 6 broad categories of “Title Defects.” Our job is to DISCOVER, DEFINE and DISCLOSE them. You get empowered by us — so that you can make accurate DECISIONS about what to do. We give examples of common title defects and Kerry tells you our approach to “curing” them so they never rear their ugly head in your future. . . .

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