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Warranty Deed and Certificate of Title?

What is difference between warranty Deed and certificate of title?

Is it necessary to buy the title insurance for either of them?

Please kindly advice!
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March 18 2012 - Ruskin
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Answers (3)

If you're borrowing the money to purchase a home, the lender will require you to purchase a 'lenders title policy'. This will cover ONLY the lenders interest in the property.

I always encourage buyers to get a 'owners title policy' - even if they're paying cash.
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March 19 2012
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A warranty deed is the strongest deed. Title insurance is ALWAYS a good idea.
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March 19 2012
The deed is the document that when executed conveys title to the property.  The title is the evidence of ownership.  Title insurance covers the owner against loss in case of defects in the title. 

Necessary?  You decide.  Is this a new purchase or are you the seller?  Will you be able to finance or get homeowners insurance without title insurance?

Good Luck,
Christine McDaniel
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March 18 2012
 
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