Our Ballinger, Runnels County, Texas Office.

Thanks For Stopping To Visit.
We Really Hope To Have The Opportunity To Serve You. We Are A Runnels County Title Company and A Coleman County Title Company. Our Business Name Is Four Star Title Co. When You Close Your Real Estate Deal With Us, You Are Taking Advantage Of Our Experienced And Knowledgeable Personnel. We Do This Every Day And We Know How To Keep The Closing Process Moving Forward To Better Benefit Your Schedule.

Should You Purchase Title Insurance With Your Home?
Most Lenders These Days Will Make It A Requirement That You At Least Have A Policy In Place To Cover Their Loan ( A Lenders Policy ). But Do You Really Need An Owners Policy As Well? This Is Something You Must Decide For Your Self. Lets Consider A Few Basic Things About An Owner Policy Of Title Insurance.

Things You Should Know About Title Insurance.
A Title Search On Your Property Purchase Brings To Light Many Things Of Concern, That You May Not Otherwise Know About Until After Purchasing The Property, That Can Affect The Title To Your Property in A Very Negative Way. These Few Things Listed, Should Give You Second Thoughts, About Purchasing Real Estate, Without Title Protection.

Errors In The Recording Of Legal Documents.
Property Description Can Be Incorrectly Described, Leaving Questions, As To What You Actually Purchased.

Forged Deeds Or Wills. This Can Be A Huge Problem.

Liens For Unpaid Taxes, Or Judgments. Clouds Title To Your Property.

Easements Across Your Property. Giving Right Of Access To Other People.

Chain Of Title Incomplete, Deeds Of Conveyance Not Filed Of Record, Or Missing Signatures On Deeds.

Title Insurance Is A Product Designed To Protect The Policy Holder Against Just These Types Of Unseen Challenges To Title.

Lenders Believe So Strongly In Title Insurance That They Will Never Close Any Loan Unless They Are Covered. That's Why You Will Find That The "Lender's Title Insurance" Coverage Is Part Of Every Loan's Closing Costs. But That Policy Does Not Protect You, The Owner.
For Your Own Level Of Protection, You Need "Owner's Title Insurance." This Is Typically Offered To The Purchaser At The Time Of Issuance Of The Lender's Policy. It Usually Costs About Two Dollars Per Thousand Dollars Of Purchase Price, And That Is A One-Time Only Premium.
Once Paid, The Policy Protects You And Your Heirs For As Long As You Own The Property.