Title Insurance

A Title Insurance policy is a no-fault indemnity contract based on an agreed representation of the state of title to a specific property as of the policy date. It safeguards you against legal hazards that could jeopardise your property ownership or impact your right to occupy and utilise your land.

Home Owners

Commercial Property Owners

residential mortgage lenders

commercial mortgage lenders

At SMH Legal Conveyancing, our conveyancers work diligently to identify risks that may affect the property ownership and your use of the property in the future.

What Does A Title Insurance Policy Cover?

A typical homeowner’s title insurance policy provides coverage against the risks including:

Illegal Building Works / Structures
Mortgage or Title Fraud after Settlement
Incorrect Signature of a Document
Forgery, Fraud, Duress, Incompetency, Incapacity or Impersonation prior to Settlement
Defective Registration of a Document
Lack of Rights of Access or use of Services
Breach of Covenants
Survey Cover for Boundary issues
Encroachment by or on to the Insured Property
Lack of Zoning Certificates
Title Being Vested in someone other than the Insured
Problems with the Registration Gap

How We Can Help?

We have been assisting and acting on the behalf of our clients in respect of title insurance. Our years of industry experience allows us to help clients with prompt and accurate advice in respect of rights and obligations. We are responsible for:

Interpreting title insurance policies, their operation and draft endorsements
Advising clients in disputes arising under title insurance policies
Advising on council building notices and represent insurers in dealings
Helping insurers to develop risk management strategies and legal issues
Providing solution-focused advice and resolve issues arising from council

Please see the information related to Title Insurance below, we strongly recommend that you should insure your property with title insurance, Why? See Below.

If you wish to apply Title Insurance after reading below, please advise our office at least 3 days before settlement. Please note that after settlement premium goes up.We have been assisting and acting on the behalf of our clients in respect of title insurance.

This is a one time premium that provides protection for as long as you OWN the property.

A title insurance policy provides cover for risks including:

Illegal Building Work
Survey & Boundary Defects
Registration Gap
Planning & Title Defects
Outstanding Rates & Taxes
Fraud, Forgery & Identity Theft

The key features of a title insurance policy are:

The premium is a one-time payment
The protection lasts until you sell the property
There is no excess in the event of a claim
You are covered for the full value of the property (e.g. if your property is valued at $500,000 then the cover is for $500,000). In the event of a claim relating to unapproved building work cover is provided up to $160,000.