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What is Title Insurance and Why is it Important?

The first question you may ask is, what is the title? The title to a piece of property is the evidence that the owner is in lawful possession of that property. 

Secondly, what is title insurance? Title insurance protects homeowners against any property loss or damage they might experience because of liens, encumbrances or defects in the title of the property. While other types of insurance protect you from the risks that are possible to occur in the future, title insurance protects you from risks associated with what has already occurred.

There are two policies in the mix at a real estate closing, The lender’s policy, which is required, and an optional owner’s policy. Both are a 1 time, upfront cost.

A title search will occur during your closing process to check out the owner’s history and to make sure the title is clear – which means the current owner who is selling you the property, has complete ownership with no legal claims against it.

Why does title insurance exist? Well, there is not a 100% guarantee that an oversight was made. If a title defect arises after your loan is closed, YOU are now responsible for any legal cost or worse case, loss of property!

For my clients, I also recommend getting title insurance. You can only get it at closing and it is more of a piece of mind so that you are protected down the road in the chance that something comes up that was not found in the original title search.

-Brentney Moore, Sales Partner | Story House Real Estate


Posted on July 20, 2019

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    Jul 11

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    🚨 Welcome to REAL, Ryan! 🚨 

Please help me give a warm welcome to @ryanburksrealtor, one of the newest additions to our REAL family!

Ryan is a seasoned agent in Waynesboro, VA, with a background in homebuilding and a true heart for helping people navigate their real estate journey. We first connected at a conference years ago, and since then, Ryan’s been a familiar face—showing up to classes, webinars, and implementing what he’s learned. 🙌🏼

When he reached out recently for mentorship and alignment with REAL, I was deeply honored. It’s agents like Ryan—committed, community-driven, and collaborative—who are helping us grow something really special in the Shenandoah Valley and beyond.

✨ Stay tuned as we announce even more incredible agents joining our REAL crew this month!

Curious why so many top agents are making the move to @realbrokerage?
Wondering if now is the time to align with a modern brokerage model that actually works for you?

📩 DM me—I’d love to share more.

#WelcomeToREAL
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    Jul 11

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    JUST LISTED | 🏠 824 Nassau Street Charlottesville VA 22902 | MLS #666775 | $299,000 | 🛏️ 4 bed 🛁 2 full bath | 🎉 OPEN HOUSE Saturday, July 12th from 11 AM - 1 PM!

This 4-bedroom, 2-bath attached home offers an open main level with a spacious kitchen and living area that’s perfect for entertaining. A convenient first-floor bedroom adds flexibility for guests, a home office, or multi-generational living. 

Upstairs, you'll find three additional bedrooms, a full bathroom, and a laundry room— 2 bedrooms have been freshly painted! Whether you’re looking to walk to your favorite Belmont restaurants or grab a quick coffee downtown, this location can’t
be beat. 

 📩 Email showings@storyhouseRE.com with questions!

 #Charlottesvillerealestate #StoryHouseRealEstate #StoryHouseRE #startyournextstory #comingsoon #Charlottesville #StartYourStoryWithUs
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    Jul 8

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    🏡 Just Hit the Market! ✨

Two stunning new listings, each with its own irresistible appeal, are now available!
Your next dream home might be one tour away. Let’s go see them!

JUST LISTED | 🏠 34 Zephyr Road Palmyra VA 22963 | MLS #666386 | $375,000 | 🛏️ 3 bed 🛁 2 full bath | 🎉 OPEN HOUSE Sunday, July 13th from 11 AM - 1 PM!

JUST LISTED | 🏠 2777 Peppervine Court Charlottesville VA 22911 | MLS #666469 | $725,000 | 🛏️ 5 bed 🛁 3 full/ 1 half bath | 🎉 OPEN HOUSE Saturday, July 12th from 12 PM - 2 PM!

📩 Email showings@storyhouseRE.com with questions!

 #Charlottesvillerealestate #StoryHouseRealEstate #StoryHouseRE #startyournextstory #comingsoon #Charlottesville #StartYourStoryWithUs
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    Jul 4

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    COMING SOON | 🏠 2777 Peppervine Court Charlottesville VA 22911 | MLS #666469 | $725,000 | 🛏️ 5 bed 🛁 3 full/ 1 half bath | 🎉 OPEN HOUSE Saturday, July 12th from 12 PM - 2 PM!

Located in the highly desirable FOREST LAKES SOUTH community, this 5-bedroom, 3.5-bath home is ideal for both everyday living and entertaining. The beautifully updated kitchen features RECYCLED GLASS Countertops, new CABINETS, SINK, BACKSPLASH, and APPLIANCES - all filled with NATURAL LIGHT and opening to the inviting family room. From there, step out to a lovely SCREENED-IN PORCH perfect for relaxing!

 A dedicated HOME OFFICE adds flexibility for remote work or study. Upstairs, you'll find a SPACIOUS PRIMARY SUITE with a PRIVATE BATH, THREE additional bedrooms, and a FULL hall bath. The FINISHED BASEMENT includes a 5th bedroom, a LARGE REC ROOM perfect for game nights or movie marathons, and a BONUS ROOM ideal for a gym, studio, or creative space. Enjoy peace of mind with a NEW ROOF (2021) Situated at the end of a quiet CUL-DE-SACand within WALKING DISTANCE to both the Elementary and Middle SCHOOLS, this home truly has it all!!

 📩 Email showings@storyhouseRE.com with questions!

#Charlottesvillerealestate #StoryHouseRealEstate #StoryHouseRE #startyournextstory #comingsoon #Charlottesville #StartYourStoryWithUs
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    Jul 4

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    From all of us at Story House, wishing you and your loved ones a joyful, safe, and spark-filled 4th of July!

🇺🇸 Happy Birthday, America! ✨

#FourthofJuly #4thofJuly #America #Holiday #StoryHouseRE #StoryHouseRealEstate
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    STORY HOUSE REAL ESTATE
    2110 Ivy Road
    Charlottesville, VA 22903
    Phone: (434) 260-1435
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