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We provide you with Homeowner’s and Lender’s policies. We also provide a wide range of title-related services….

Our escrow system will handle any transaction presented to us. You can count on us to provide clear communication and thorough follow-up to ensure everything goes smoothly, with no surprises….

An attorney will sit with you at your closing. We will communicate clearly with all the parties involved to ensure that closing goes as smoothly as possible….


Central Ohio Title Services, LLC

Central Ohio Title Services, LLC is committed to providing unmatched expertise and exceptional customer service to smoothly facilitate any real estate transaction. In addition to title insurance and escrow and closing services, we can provide an array of other title-related services.

If you are considering making a life-changing decision to purchase a home, our services can give you the peace of mind that your investment will be protected, as long as you or your family own the property. We will stand behind you, backed by a team that’s been protecting Ohio residents since 1955.

Frequently Asked Questions

What is title insurance? A: Title insurance protects the policy holder from loss resulting from an issue with the title itself. Title insurance covers losses resulting from title issues, but it also covers legal costs of defending a person’s title.
A: If a claim is made against your property title, your title insurance policy can save you time and money by:

Providing a corporate guarantee against defects covered by the insurance policy;
Paying all legal expenses to eliminate any title defects;
- Paying any claim arising from errors in the title examination or recording process; and
- Paying any loss arising from hidden defects in title and defects that are not of record. Title insurance protection provides peace of mind that your ownership and use will be defended

promptly against claims, at no cost to you, whether or not the claim is valid.

Most insurance policies require regular premiums to keep the coverage current. Title insurance will probably be the cheapest insurance you will ever purchase. A small, one-time payment will cover your title for as long as you, or your heirs, own the property.
A: A policy holder pays a one-time premium for coverage that lasts as long as they or their heirs own the property. This is one of the least expensive forms of insurance a person will ever purchase. The policy is based off the purchase price of the property, and will often be just a few hundred dollars.
A: Title issues may exist that even a thorough search of the public records cannot disclose. Occasionally, a hidden defect in the title or a mistake in a prior deed, will, or mortgage may give someone else a legal claim against your property.

Hidden defects can take many forms:
- Errors in the public records such as incorrect information in deeds and mortgages regarding names, signatures and legal descriptions;
- Judgments, liens and mortgages or any other claims against the property or the seller which become the new owner's responsibility after closing, such as unpaid taxes, assessments and other debts to creditors;
- Claims to ownership by the spouse of a former owner or by the "missing heir" of a deceased
owner who did not receive their share of the estate; and
- Invalid deeds or other transfers by sellers who did not actually own the property, or by previous owners who were minors or not mentally competent.
A: A lender's policy covers only the amount of its loan, which is usually not the full property value. If an adverse claim arises, the lender will ordinarily not be concerned unless its loan becomes non-performing, and the claim threatens the lender's ability to foreclose and recover its principal and interest.

Additionally, in the event of a claim, there is no provision for payment of legal expenses for an uninsured party (that would be the owner holding title). When a loan policy is being issued, the small additional expense of an owner's policy is a bargain.
A: At the mere hint of a claim against your title, you should contact either your title insurer or the agent who issued your policy. Provide them copies of all related letters and documents. The title insurance company will either pay the claim against your title, negotiate with the other party to settle the claim, or defend a court case related to the title. The insurer will pay all legal costs incurred in defending your title.
A prospective buyer should select an insurer that has a sterling reputation for paying claims, experience in all phases of title insurance, and efficient and dependable service to policy holders.

General Title Insurance Company has an outstanding record in all of these areas, and also offers many other superior services. General Title Insurance Company is one of the largest regional underwriters in the United States, and has protected its policy holders since 1925.


If you have any questions, feel free to call, email, or even stop by the office.
Hours of Operation: 9 am to 5 pm M-F

16 S. Main St., Mechanicsburg, Ohio 43044

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