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Whenever, you buy property, the owner who is selling it to you has rights, as do their family and heirs. Southwest Title Company is appointed by the payee and payor to act as servicing agent for the receipt and disbursement of payments and the holding of original documents. As your title company, Southwest Title will perform a title search and uncover any unpaid taxes, mortgages, judgments against current and previous owners, easements and other court actions or recorded documents which can affect the title of the property. You pay the premium for title insurance only once, and it protects you for as long as you and your heirs remain in ownership. Your original premium amount is your only cost as long as you own the property and you will be protected against any unexpected claim covered by your policy. Why do homeowners need title insurance? Because any home, no matter how new or apparently secure, is built on land that has, undoubtedly, had many owners. Title Insurance protects you against past claims and title faults. Whenever, you buy property, the owner who is selling it to you has rights, as do their family and heirs. Why do homeowners need title insurance? Because any home, no matter how new or apparently secure, is built on land that has, undoubtedly, had many owners. Your title insurance policy is your shield of protection and will defend your ownership against loss. Title Insurance protects you against past claims and title faults. Southwest Title Company is appointed by the payee and payor to act as servicing agent for the receipt and disbursement of payments and the holding of original documents. Real estate is such a basic form of wealth that there are many special laws that protect ownership of land and the buildings that are built on it. 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