Why Every Homeowner Should Know a Title Insurance Professional
By Ralph Aponte, Counsellors Title Agency
When people buy a home, they usually meet their real estate agent, lender, home inspector—even the attorney. But there’s one key professional most homeowners never actually get to know: the title insurance expert.
That’s a problem.
Because long after the boxes are unpacked and the mortgage is locked in, it’s the title to your property that ensures your ownership is valid, uncontested, and protected. And if a problem arises—like a forged deed, unpaid tax lien, or cyber scam targeting your title—you’ll want someone you trust to call.
Let’s break this down into two parts:
Part 1: Title Insurance – How It Works & Who Sells It
What Is Title Insurance?
Title insurance protects your legal ownership of a property. It covers past issues that may not have been discovered during the title search—like unpaid debts, clerical errors in public records, or fraudulent claims—and future attempts to challenge your ownership, like cybercriminals forging your identity to steal your home.
How Does It Work?
Before you close on a property, a title agency (like Counsellors Title) performs a deep-dive search into the property’s history—reviewing deeds, court records, tax documents, and more. The goal? To find any “clouds” or defects that could threaten your legal ownership.
If something is missed—or if a new threat emerges after closing—your title insurance policy kicks in to protect you, your lender, and your investment.
Who Sells Title Insurance?
Licensed title agents and attorneys sell title insurance. But not all providers are created equal. You want an agency with local knowledge, a long track record, and the ability to act fast if something goes wrong.
About Counsellors Title Agency
We are an award-winning agency and one of New Jersey’s leading title insurance businesses, based in Toms River. Counsellors is known for its team of knowledgeable service professionals recognized for its exceptional title, settlement and escrow services, for all 21 New Jersey counties. Its glitch-free signature service provides confidence to home buyers, sellers, and industry professionals. The knowledge base of its staff has processed over $17 billion in orders and established itself as a pillar of trust and benchmark of excellence within the real estate community.