Title Insurance

Title Insurance Rates & Escrow Fees

Understanding your closing costs and title insurance rates for a new home purchase in Ohio is a vital part of your real estate escrow process.  At Infinity Title Agency, we provide expert escrow services to ensure your property rights are protected from day one.

What is Title Insurance and How Does it Relate to Title Orders?

Title insurance is a unique form of indemnity insurance that protects homeowners and lenders against financial loss sustained from defects in a property's title.  Unlike traditional insurance that protects against future events, title insurance protects against past events hidden in the property's history.

When a real estate agent or lender places a title order with Infinity Title Agency, our team begins a comprehensive title search.  This process involves examining public records to confirm the seller's right to transfer ownership and identifying any:


  • Unpaid property taxes or assessments
  • Outstanding mortgages or liens
  • Easements or rights-of-way
  • Legal judgments against previous owners


Once the title search is cleared, we issue a title commitment, which paves the way for a smooth closing and the issuance of your final insurance policy.

Ohio title insurance rates for real estate title search order property closings by Infinity Title Agency serving home buyers and sellers, real estate agents, banks, and new construction builders.

Woman signing a real estate contract closing on a Northeast Ohio home with title insurance from Infinity Title Agency
Title insurance agreement prepared by Infinity Title Agency for an Ohio real estate closing escrow process

Why is Title Insurance Important to Your Real Estate Closing Process

For those financing their new Ohio home, lenders will always require a Lender's Policy to protect their investment.  For cash transactions, while title insurance is not legally required, it is a critical safeguard.

Title insurance is important because it protects you from hidden hazards that even the most diligent search might not uncover such as:


  • Forgery or Fraud: Instances where signatures on previous deeds were forged
  • Unknown Heirs: Missing heirs from a previous owner claiming a right to the property
  • Inaccurate Public Records: Errors made at the county clerk's office during filing
  • Conflicting Wills: Disputes over the validity of a prior owner's will

Without a homeowners title insurance policy, you would be responsible for all legal costs and potential loss of equity if a claim arises against your ownership.

Why Choose Infinity Title Agency for Your Title & Escrow Services?

When you choose Infinity Title Agency, you aren't just getting an Ohio title insurance policy ... you are gaining a partner dedicated to a seamless closing experience.

Timely Communication

We know that time is of the essence in real estate.  We provide proactive updates to buyers, sellers, and agents to prevent closing day delays.

Expert Escrow Coordination

We act as a neutral third party, securely managing funds and documents to ensure all conditions of the sale are met before the deed is recorded.

Local Market Expertise

Our team understands the various nuances and specific regulations and requirements of Ohio counties, ensuring your residential title insurance order is handled accurately and efficiently.

Title Insurance

Frequently Asked Questions

How are title insurance rates calculated?


Title insurance rates are typically based on the purchase price of the home (Homeowner's Policy) or the loan amount (Lender's Policy).  In many states, these rates are filed with and regulated by the Department of Insurance to ensure fairness.

Who pays for title insurance, the buyer or the seller?


Who pays for title insurance depends on local regulations or the terms negotiated in the purchase agreement.  In many areas, the seller pays for the Homeowner's Policy while the buyer pays for the Lender's Policy, but this can be negotiable.

Does title insurance require a monthly premium?


No.  Unlike auto or health insurance, title insurance is a one-time premium paid at closing.  Your coverage lasts as long as you or your heirs hold an interest in the property.

What is the difference between a title search and title insurance?


A title search is the investigation into the history of the property to fin potential problems.  Title insurance is the policy that protects you if that search misses a "hidden" defect.

Ready to secure your property rights?

Whether you're a first-time homebuyer, a seasoned real estate agent, or a lender looking for a reliable partner, the team at Infinity Title Agency is ready to streamline your next transaction.

Don't leave your real estate investment to chance - ensure your title is clear and your future is protected.