When you buy, sell or refinance a property, make sure:

1. You get the reduced rate on the title insurance premium. Provide a copy of your current owner’s policy of title insurance policy early in the transaction to the closing agent.
2. Within the contract deadline, you review the survey and the commitment to insure title to know what encroachments, easements and other matters affect or restrict the title you are buying (you may not want the property).