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home dickinson county title skip to content monday friday 8 00 am to 4 30 pm 906 779 9187 orders dctitleim com find us here icon facebook instagram home what we do about us services residential commercial 1031 exchange best practices faqs contact us community menu home what we do about us services residential commercial 1031 exchange best practices faqs contact us community order title dedication community trust the dct way rooted in the heart of our community dickinson county title takes pride in being a truly local business that understands and values the unique needs and preferences of our clients order title get a quote rate calculator contact us community about us dickinson county title to provide reassurance to the local community with trust and dedication rooted in the heart of our community dickinson county title takes pride in being a truly local business that understands and values the unique needs and preferences of our clients we believe in fostering strong personal relationships and offering personalized service that larger companies simply cannot match by investing in the community that has supported us our mission is to continue to be dedicated and give back to our local neighbors based on our core family values while providing assurance and protection we truly believe in our company vision more about us what we do with decades of experience in the title insurance industry our team possesses unparalleled expertise and has a deep understanding of the complexities involved with real estate transactions we can navigate the most challenging title issues ensuring a smooth and secure process for our clients we have partnered with underwriters that not only believe in offering the best possible product to their clients but also help us stay abreast of industry developments and regulatory changes that impact real estate transactions our underwriting partners provide quick responses and innovative solutions which will prove you can trust our commitment to excellence as we safeguard your real estate investment our mission to lead our team strives to be a leader in providing real estate services in a professional and friendly manner contact us to engage we keep the human element at the center of all our title services and community involvement learn more to protect peace of mind through our title products best practices and technology learn more frequently asked questions 1 what is title insurance for many people the purchase of a home or other real estate property is the largest monetary investment they will make in their lifetime people will often purchase homeowners insurance in order to protect this investment however title insurance can be just as crucial title insurance financially protects you and your lender from any unknown claims or defects in the title of the property you are buying title insurance is an insurance policy that covers past title problems that come up after you buy or refinance a home and that are unknown at the time of purchase a title insurance policy does not cover ownership issues that arise after you have purchased a home or other real estate property there are two types of title insurance both the owner s policy and the lender s policy protect the named insureds against past losses that can occur after a real estate settlement 1 owner s policy an owner s policy protects a buyer s ownership interest in real estate if a past title or ownership issue comes up after the purchase 2 lender s policy a lender s policy protects the lender in the event a past title or ownership problem arises after the real estate transaction if you are borrowing money from a financial institution for the real estate purchase the lending institution will probably require you to buy a lender s policy to protect its interest as well 2 what is a title and what does it do title means the collective ownership of rights for a piece of property and includes all previous transfers of ownership and liens on the property a title is not the same thing as a deed a deed is the legal document that transfers title from one person to another a title documents your legal ownership or interest in real property meaning you have the right to use that land and attached structures it may be a full or partial interest in the property for example you may retain ownership of a piece of real property but you may transfer certain rights such as mineral rights to someone else unlike transferring title to an automobile title transfers involving real property are more complex because land usage may change over time 3 what is a title search a title search is a routine part of a property transaction and the cost to conduct a title search is typically included in the price of title insurance before issuing a policy the title agent or company conducts a detailed review of historical public records to see if there are any title concerns with the property you are looking to buy these records include but are not limited to court judgments deeds mortgages wills divorce decrees tax records and maps 4 what are title defects title defects often referred to as unknown claims or encumbrances can result in substantial financial losses up to and including loss of ownership of the property if you have a title insurance policy the insurance company will defend your title in court and pay any settlement amount you owe to clear the title as long as the defect is a covered item following are examples of title defects liens on a property lost forged or incorrectly filed deeds property access issues q mortgage or property taxes not paid by a prior owner an unknown or missing heir making claim to the property view all faq s our leadership at dickinson county title we believe in the power of community and family as a proud family owned and locally operated business our family is dedicated to our neighbors with integrity and are committed to supporting and enriching the lives around us family values are at the core of everything we do whether it s through our client relationships involvement in local events or our support of local initiatives we are dedicated to making a positive impact we are more than just a business we strive to be a part of the fabric that makes this community special envelope scott zeuske ceo scott zeuske is a seasoned title insurance professional with over two decades of industry experience scott s career is marked by dedication to his client relationships and has established himself as a knowledgeable and reliable local expert his extensive and diverse background has equipped him with a comprehensive understanding of the title insurance industry allowing him to navigate its complexities with ease scott is known for his work ethic and providing exceptional service to his clients he takes pride in ensuring his customer s transactions are handled with the utmost care and professionalism he will continue to be a driving force in the community growth and development envelope home what we do about us services residential commercial 1031 exchange best practices faqs contact us community menu home what we do about us services residential commercial 1031 exchange best practices faqs contact us community let s start your title transaction order title get a quote icon facebook instagram useful links home about us what we do faq contact us contact info 1040 carpenter avenue iron mountain mi 49801 8 00 am to 4 30 pm 906 779 9187 906 448 0005 orders dctitleim com copyright 2024 dickinson county title all rights reserved