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Sumitra Daswani
Realtor Licensed in TN & KY
Reliant Realty Era Powered
124 Dunbar Cave Road, Suite A 
Clarksville TN 37043
Direct: 931-206-0897
Office: 931-245-8800
Fax:    931-245-8798
Email: Sumitra@fortcampbellproperties.com
Facebook: https://www.facebook.com/Sumitra.Realtor


 

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Why Do You Need Title Insurance?

Title Insurance.

It’s a term we hear and see frequently - we see reference to it in the Sunday real estate section, in advertisements and in conversations with real estate brokers. If you’ve purchased a home before, you’re probably familiar with the benefits and procedures of title insurance. But if this is your first home, you may wonder, “Why do I need another insurance policy? It’s just one more bill to pay.”

The answer is simple: The purchase of a home is most likely one of the most expensive and important purchases you will ever make. You, and your mortgage lender, want to make sure that the property is indeed yours - lock, stock and barrel - and that no individual or government entity has any right, lien, claim to your property.

Title insurance companies are in business to make sure your rights and interests to the property are clear, that transfer of title takes place efficiently and correctly and that your interests as a homebuyer are protected to the maximum degree.

Title insurance companies provide services to buyers, sellers, real estate developers, builders, mortgage lenders and others who have an interest in a real estate transfer. Title companies routinely issue two types of policies - “owner’s”, which cover you, the homebuyer; and “lender’s”, which covers the bank, savings and loan or other lending institution over the life of the loan. Both are issued at the time of purchase for a modest, one-time premium.

Before issuing a policy, however, the title company performs an extensive search of relevant public records to determine if anyone other than you has an interest in the property. The search may be performed by title company personnel using either public records or more likely, information gathered, reorganized and indexed in the company’s title plant.

With such a thorough examination of records, any title problems usually can be found and cleared up prior to your purchase of the property. Once a title policy is issued, if for some reason any claim which is covered under your title policy is ever filed against your property, the title company will pay the legal fee involved in defense of your rights, as well as any covered loss arising from a valid claim. That protection, which is in effect as long as you or your heirs own the property, is yours for a one-time premium paid at the time of purchase.

The fact that title companies work to eliminate risks before they develop makes the title insurance decidedly different from other types of insurance you may have purchased. Most forms of insurance assume risks by providing financial protection through a pooling of risks for losses arising from an unforeseen event, say a fire, theft or accident. The purpose of title insurance, on the other hand, is to eliminate risks and prevent losses caused by defects in title that happened in the past. Risks are examined and mitigated before property changes hands.

This risk elimination has benefits to both you, the homebuyer, and the title company: it minimizes the chances adverse claims might be raised, and by so doing reduces the number of claims that have to be defended or satisfied. This keeps costs down for the title company and your title premiums low.

Buying a home is a big step emotionally and financially. With title insurance you are assured that any valid claim against your property will be borne by the title company, and that the odds of a claim being filed are slim indeed.

Isn’t sleeping well at night, knowing your home is yours, reason enough for title insurance?

Article by CLTA

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Testimonials

I have to give Sumitra 5 Stars on all considerations, however what was most impressive was her sense of urgency. Her responsiveness to my questions, requests, and suggestions were remarkable. Although she lives in Tennessee, she is licensed in both Tennessee and Kentucky. Sumitra receives my highest recommendation and when you choose her to either buy or sell your home, you will not be disappointed. - dcarz

Thank you for taking the time to give me this awesome review, it was a pleasure working with you on the purchase of your home!

 

Dcarz
Navigating through the home buying process is no easy undertaking and can be very stressful at times. I can not express how grateful I am for Sumitra's knowledge of the area, the real estate market, and getting the best deal for me, while carefully guiding me step by step through the process and easing the stress. She was available to me whenever I needed her, whether weekday/night or weekend to answer any questions I had. Her skill at helping me through several multi offer situations was incredible. Sumitra worked tirelessly to help me find my perfect home at the price I was comfortable with, Not an easy task given my limited budget and long list of 'non negotiables'. I'm now in the process of moving into my new home which has MORE items than were on my list and UNDER budget. I was in her office when she received Reliant Realty's award for the "Most Closings for the Month of June". I clearly understand why! I don't plan to buy another house too soon, but when I do I will definitely call Sumitra! I loved working with her! Peggy Spencer
Sam came highly recommended to us by some very close friends. She has proven to be a huge blessing. Completing the home buying and selling process with Sam (Sumitra) has been very enjoyable and as stress free as possible. For one, Sam is a wonderfully kind person who does everything she possibly can for her clients. For example, Sam often changed her schedule in order to accommodate our needs. All the nuances that accompanied this process were handled with expertise and professionalism. Sam was extremely efficient and fast with all of our paperwork. Because of Sam, we were able to be competitive in a high paced market and buy an amazing home in an amazing location. We could rave about Sam all day long but the bottom line is she made this a wonderful experience and we could not be happier in our new home. We will continue to recommend her to anyone in the market. Janessa Haugen
- My wife and I have been looking for a house for quite some time. my agent was more than amazing. We can write a review for an hour on how happy we are with Sumitra but want this read so we will get to the point. Sumitra is one of the most patient, kind and understanding real estate agent we have ever encountered! She showed us dozens of homes and was always eager to accommodate our busy schedules. Ultimately Sumitra found us our perfect dream home! Sumitra is very knowledgeable and full of great ideas, and an expert in her field!!!. If you looking for the absolutely perfect realtor Sumitra Daswani would be the great and smart choice!
Buyer in Russelville KY 11/2018
Grandiosa
- We were looking for an investment property from out of state. Sam was very willing to go out to properties to do video showings. She has a good idea of the market and what the right price points are. She puts together an offer in no time once you want one. She communicates with the other agent and negotiates her way through as much as she can. Thanks to her we secured a nice condo in the heart of Clarksville.
01/01/2019
The Shim family
"I used two other realtors in the Clarksville area for more than a year and got no results. I switched to Sumitra and my house was sold in two months. If I ever move back to Clarksville, she will be my realtor"! -Jeremy Grier
"Sumitra sold me my house in 2007. She was very patient with me while we were house hunting. She took the time out to go with me to as many houses as I could see in one day. Then if something would come up that I could not meet with her because of my children, Sumitra was nice about my situation and rescheduled or she would gladly include my kids. I feel lucky to have met Sumitra. Being a military wife I felt uneasy about hiring a local as my realtor but did not know if a non-local would know enough about the area to find me what I wanted and be able to work with the local builders, but Sumitra was the best of both worlds. She knows her way arould Clarksville like a local, but because she is not a local she can give you a broader opinion of each property and situation involving the paper work. When or if I ever sell the home I bought through Sumitra, I plan to use her as my realtor to help sell my home and to help me with the purchase a new home". - Kendrah McSwain
"Upon finding out that we would need to sell our home in order to move to San Antonio, I immediately thought of Sumitra. She has been a friend of mine for several years, and throughout those years, I have seen her blossom into a wonderful, successful Realtor. I have referred several friends and acquaintances to her in the past, and, I knew that we were putting ourselves in good hands when we chose to list our house for sale with her. She was professional, honest, knowledgeable and most of all accessible throughout the entire process. She made great suggestions about how to improve the property as well as how to stage the furniture to make the house show it's best way possible. She worked within her agency, as well as networked with other local Realtors to schedule showings. Amazingly enough, our house sold within about 3-4 weeks, even during the Christmas holidays"! -Stacy Mulvaney
Sumitra, Thank you so much for the great service you provided in selling my house. Not only did we get asking price, but it sold in less than 30 days! Your advice, consultation and professionalism was absolutely fantastic. You were always keeping me updated with text, phone and face to face visits. This made me fell confident I was with someone who cared about the sale of my home. I will highly recommend you to anyone I know of selling their home. Great job! CW3 Jason Werner
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