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- Banks as Insurance Referral Agents? The Convergence of Financial Services: Evidence from the Title Insurance Industry
- The purpose of this paper is to offer a glimpse into the potential industrial organization of the property casualty insurance (P&C) market if banks continue to penetrate it at current rates. To do so, the paper studies an insurance market where banks are already integral in distribution: Title insurance. They...
- White papers 2002-09-01
- Title Insurer Year-End 2002 Results: Firing on All Cylinders
- This paper on title insurance explains the declining interest rate environment throughout 2002 provided a fertile market for mortgage refinancing activity, driving the title insurance industry to its second consecutive year of record-breaking revenues. The most prosperous year in title insurance history occurred despite a dismal economic backdrop in which...
- White papers 2003-03-13
- Review & Outlook: 2001-2002 Title Insurance
- The report views the capital and surplus of the title insurers in its rating universe as strong from both an absolute dollar and risk-adjusted perspective. Further, reserves continue to appear adequate as measured on both a GAAP and statutory basis. The report analyzes the title industry from a macro perspective,...
- White papers 2002-01-17
- Review & Outlook: 2000-2001 Title Insurance
- The industry outlook for the year 2000 - 2001 is stable despite market conditions and performance for several reasons. First, the report assigns ratings with a long-term perspective, recognizing that title insurance is a highly cyclical business. Individual company ratings are based in part on experience in previous cycles and...
- White papers 2001-01-16
- Review and Outlook: 2002-2003 U.S. Title Insurance
- In spite of the expected decline in title revenues the title insurance industry is in very good shape, and supports the reports Stable Rating Outlook. The health of the title insurance industry is based on quality balance sheets exhibited by most companies in the industry, expectations for a continuation of...
- White papers 2003-01-15
- The Monoline Restrictions on Mortgage and Title Insurance, With Special Application to California
- This paper provides an economic analysis of the monoline restriction for both mortgage and title insurance. The purpose is to evaluate whether or not the monoline requirement continues to represent good public policy. California is used as an important and typical case study. This paper reviews these two industries and...
- White papers 2003-06-17
- A Transaction-Cost View of Title Insurance and Its Role in Different Legal Systems
- This article outlines a transaction cost theory of 'title insurance' and analyses the role it plays in countries with recording and registration of land titles. Title insurance indemnifies real estate right holders for losses caused by pre-existing title defects that are unknown when the policy is issued. It emerged to...
- White papers 2002-10-01
- Title insurance: Is It Wanted Here?
- This paper discusses about title insurance which was developed in the post-Civil War era in the United States of America, supplementing existing lawyer's and conveyance's 'error' insurance by providing insurance against any defect in titles to real estate, in the absence of reliable title registration systems. The state-run registers were...
- White papers 2002-11-14
- Trends in Real Estate and Title Insurance
- In an age of special purpose entities, bankruptcy remote entities, check-the-box filings, and securitized real estate, there has been a re-emergence of property ownership by tenancies in common, a throwback to an earlier era. While tenancies in common certainly offer investors new opportunities, they also raise important issues for both...
- White papers 2004-04-12
- Synopsis of Title Insurance and Escrow Litigation in Georgia
- Like any other insurer, a title insurer may be subject to claims in contract or claims in tort. Contractual claims generally arise either from a title insurance policy or from an insured closing services letter. Tort claims, generally sounding in fraud or negligence usually arise from the defalcation or negligence...
- White papers
- Monoline Restrictions, With Applications to Mortgage Insurance and Title Insurance
- The key goal of this paper is to investigate the conditions under which monoline restrictions represent sensible regulatory policy. This is an intriguing question because multiline insurance structures have the obvious diversification benefit that the firm's capital is available to support claims against any of its lines. Indeed, all states...
- White papers 2003-01-27
- The Role of the Monoline Requirement in Assuring Title Insurance Effectiveness
- A "monoline" requirement, i.e., the statutory restriction of companies writing a particular line of insurance to writing only that line, occurs today in just three property-casualty lines: title insurance, mortgage guaranty insurance, and financial guaranty insurance. In light of the trend toward the elimination of specialization for all types of...
- White papers 2004-12-01
- Title Insurance in Commercial Real Estate Transactions
- This paper is intended to highlight the title insurance issues that arise in connection with the sale, purchase, and financing of commercial real estate. It discusses the necessity for and the types of title policies and products available, as well as the availability and desirability of specialized coverage's and endorsements...
- White papers 2000-09-06
- Cracking Down on Illegal Practices in the Title Insurance Industry
- This paper investigates the practice of rebating in title insurance industry. Since approximately 1997, insurance regulators allege that title insurers began engaging in the illegal practice of rebating by forming captive reinsurance companies that in turn draw rebates from the title insurance companies. These sophisticated schemes are designed so that...
- White papers 2005-06-23
- How Are Title Insurance Companies Using GIS?
- When one thinks of GIS, title insurance isn't the first thing that comes to mind. However, many title offices are finding GIS is just what they need to help with their mapping and document management needs. Title plants, data centers that process thousands of land records each day, have found...
- White papers 2005-07-05
- Title Insurance Protects Your Financial Investment
- There are two types of title insurance: lender policy and the owner's title insurance. Most lenders require a loan policy when they issue a loan to protect their interest should a problem arise. The policy amount decreases each year and eventually disappears once the loan is paid off. Therefore the...
- White papers 2005-05-09
- Home Buying 101: What's Title Insurance, and Do I Need It?
- A title is a written document that shows ownership of property. It includes the signatures of current owners and a legal description of the property. A title is also known as a deed. Before one closes on a new home, a title examiner will conduct a title search. This is...
- White papers 2006-01-27
- Understanding Title Insurance
- Title to a property is a record detailing the owners of the property and rights associated with the ownership. Title typically shows a progression of ownership from the first owner to the current one. Title is a fairly simple concept, but when it goes wrong it is a nightmare. That...
- White papers 2005-08-22
- Title Insurance - Examples of Problems and Advice
- Title insurance prevents the property owner from suffering financial loss if, at any time during his ownership of the property, someone comes along who can show that they have full, or partial, ownership of the property instead. Every mortgage lender one is aware of requires title insurance be purchased to...
- White papers 2005-09-01
- Chicago Properties - Title Insurance Tips
- If one plans to buy a Chicago property, the sooner one learn about title insurance, the better. For many first time Chicago real estate buyers, the first time they hear about title insurance at the closing of their Chicago property. This paper presents the basics of title insurance for protecting...
- White papers 2006-01-05
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