Leader of the Indianapolis Metropolitan Real Estate Community

What is a title?
Simply stated, the title to a piece of property is the evidence that the owner is in lawful possession of that property.

What is title insurance?

Title insurance protects real estate owners and lenders against any property loss or damage they might experience because of liens, encumbrances or defects in the title to the property. Each title insurance policy is subject to specific terms, conditions and exclusions.

How does title insurance differ from other insurance?
Insurance such as car, life, health, etc., protects against potential future events and is paid for with monthly or annual premiums. A title insurance policy insures against events that occurred in the past of the real estate property and the people who owned it, for a one-time premium paid at the close of the escrow.

What does it cover?
Title insurance protects against claims from defects. Defects are things such as another person claiming an ownership interest, improperly recorded documents, fraud, forgery, liens, encroachments, easements and other items that are specified in the insurance policy.

Who needs it?
Purchasers and lenders need title insurance in order to be insured against various possible title defects. The buyer, seller and lender all benefit from issuance of title insurance.

How is a title insurance policy created?
After the escrow officer or lender opens the title order, the title agent or attorney begins a title search. A Preliminary Report is issued to the customer for review and approval. All closing documents are recorded upon escrow’s instruction. When recording has been confirmed, demands are paid, funds are disbursed, and the actual title insurance policy is created.

What is escrow?
Escrow refers to the process in which the funds of a transaction (such as the sale of a house) are held by a third party, often the title company or an attorney in the case of real estate, pending the fulfillment of the transaction.

What are the title insurance policy types?
The Owner’s Policy insures the new owner/home buyer, and a lender’s policy insures the priority of the lender’s security interest.Contact us for more information about title insurance or title policy coverage.

Frequently Asked Questions

CS Title of Indy

Central Security Title, LLC

12300 E. 62nd St.

Indianapolis, IN  46235


What are reasons for buying an Owner's Policy?

  • A deed or mortgage in the chain of title may be a forgery
  • A deed or a mortgage may have been signed by a person under age.
  • A deed or a mortgage may have been made by an incompetent person.
  • A deed or a mortgage may have been made under a Power of Attorney after it's termination and would, therefore, be void.
  • A deed or a mortgage may have been made by a person other than the owner, but with the same name as the owner.
  • A testator of a will may have had a child born after the execution of the will; a fact that would entitle the child to claim his or her share of the property.
  • A deed or a mortgage may have been procured under fraud or duress
  • Title transferred by an heir may be subject to a federal tax lien, which would therefore attach to the property you just purchased
  • An heir presumed dead may appear and recovery the property or an interest therein
  • Title insurance covers attorney's fees and court costs.
  • By insuring the title you can avoid delays when passing the title on to someone else.
  • There may be a defect in the recording of a document upon which your title relied on.
  • With a title insurance policy, you as an owner have an indemnity contract that will reimburse you for your loss in the event that someone asserts a claim against your property that is covered by the policy.

​"Coming together

is a beginning; keeping together is progress;

​working together

is success."

Henry Ford