Purchase a Property through REALTORS Online and your purchase will be Guaranteed for 20 years with Caser® Title Insurance

When you purchase a property through REALTORS Online the safety of your property title deeds will be insured AT NO COST TO YOU, through a title insurance issued by Caser®. The premium for this insurance is paid by REALTORS Online and is issued directly to you the purchaser. The insurance is provided by Caser®, who are major insurers in Spain and insure the Spanish Savings Banks. Their insurance will give you total peace of mind and covers your purchase for a period of twenty years.

REALTORS Online have been accredited with the exclusive 'Safe Purchase Brand' thus giving you much more than other estate agents when purchasing your home in Spain i.e. a certified extra property protection guarantee for the next 20 years.

The Caser® Title Insurance guarantees that all your legal rights stated in the title deed will be respected and certifies that the property you have purchased fulfils all the agreed legal conditions. Caser® provide a Guaranteed Commitment of Resolution within Six Months. Caser® will appoint a lawyer expert in Spanish Real Estate Law who will manage your problem with the highest standards of diligence and efficiency and if they cannot resolve your title defect within six months, you will be compensated up to a maximum value of 360.000€, providing peace of mind for your most important investment.

Cover is provided up to the price stated in your title deed, this is the declared value as stated in your escritura.

Possible Title Deed Problems

It must be stressed that title deed problems are rare, especially if you use a qualified and registered Spanish property lawyer to act for you in your purchase (a requirement of REALTORS Online). However for your additional peace of mind both during and after your purchase REALTORS Online will arrange and pay for a Title Insurance from Caser®. Some examples of problems that may possibly be encountered and which are covered by the insurance are:

·         Boundary Issues

·         Hidden Valid Lease

·         Purchase from an Incapable Seller

·         Hidden Legal Defect

·         Marital Problems

·         Lack of the Certificate of Occupancy

·         False Representation of the Vendor (Identity Theft)

·         The Act of Purchase

·         Non-Inscription in the Land Register

·         Demolition Order

·         Other Administrative Orders in Force

·         Sale “As Is”

·         Impossible to Access

·         Bankruptcy of the Seller

·         Third Party Rights: Easements

·         Third Party Rights: Unknown Heirs

·         Unpaid Taxes

Exclusions: Damage, contamination and all defects in the knowledge of the owner prior to the date this policy takes effect.

The above is an outline of the cover offered by Caser®. When insurance is issued by Caser® the terms and conditions of the insurance may vary. The terms and conditions issued with the insurance will always be deemed to be correct even if they differ from those outlined above.

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