State of New Jersey

Notary Public Commission:

Notary Public (Active)

State of New Jersey Department of Banking and Insurance Licensed Producer: Title, Life, Health

Title Insurance Terms:

Title - The evidence of right which a person has to the ownership and possession of land. Commonly considered as a history of rights.

Owner's Title Policy - A policy of title insurance, which insures a named owner against loss by reason of defects, liens and encumbrances not excepted to in the policy or unmarketability of the title. The company also agrees to defend covered claims made against the title.

Encumbrance - A lien, liability or charge upon a parcel of land.

Chain of Title - A term applied to the past series of transactions and documents affecting the title to a particular parcel of land.

(from the Real Estate Dictionary provided by Old Republic Title Insurance Group 12/14)