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Rooted in the heart of our community, Dickinson County Title takes pride in being a truly local business that understands and values the unique needs and preferences of our clients.
“To provide reassurance to the local community with trust and dedication.”
Rooted in the heart of our community, Dickinson County Title takes pride in being a truly local business that understands and values the unique needs and preferences of our clients. We believe in fostering strong personal relationships, and offering personalized service that larger companies simply cannot match. By investing in the community that has supported us, our mission is to continue to be dedicated and give back to our local neighbors based on our core family values, while providing assurance and protection. We truly believe in our company vision.
With decades of experience in the title insurance industry, our team possesses unparalleled expertise, and has a deep understanding of the complexities involved with real estate transactions. We can navigate the most challenging title issues ensuring a smooth and secure process for our clients. We have partnered with Underwriters that not only believe in offering the best possible product to their clients, but also help us stay abreast of industry developments and regulatory changes that impact real estate transactions. Our Underwriting partners provide quick responses and innovative solutions which will prove you can trust our commitment to excellence, as we safeguard your real estate investment.
Our team strives to be a leader in providing real estate services in a professional and friendly manner
We keep the human element at the center of all our title services and community involvement.
Peace of mind through our title products, best practices, and technology.
For many people, the purchase of a home or other real estate property is the largest monetary investment they will make in their lifetime. People will often purchase homeowners insurance in order to protect this investment; however, title insurance can be just as crucial. Title insurance financially protects you and your lender from any unknown claims or defects in the title of the property you are buying.
Title insurance is an insurance policy that covers past title problems that come up after you buy or refinance a home and that are unknown at the time of purchase. A title insurance policy does not cover ownership issues that arise after you have purchased a home or other real estate property.
There Are Two Types of Title Insurance. Both the owner’s policy and the lender’s policy protect the named insureds against past losses that can occur after a real estate settlement. 1. Owner’s Policy - An owner’s policy protects a buyer’s ownership interest in real estate if a past title or ownership issue comes up after the purchase. 2. Lender’s Policy - A lender’s policy protects the lender in the event a past title or ownership problem arises after the real estate transaction. If you are borrowing money from a financial institution for the real estate purchase, the lending institution will probably require you to buy a lender’s policy to protect its interest as well.
“Title” means the collective ownership of rights for a piece of property and includes all previous transfers of ownership and liens on the property. A title is not the same thing as a “deed.” A deed is the legal document that transfers title from one person to another. A title documents your legal ownership or interest in real property, meaning you have the right to use that land and attached structures. It may be a full or partial interest in the property. For example, you may retain ownership of a piece of real property, but you may transfer certain rights, such as mineral rights, to someone else. Unlike transferring title to an automobile, title transfers involving real property are more complex because land usage may change over time.
A title search is a routine part of a property transaction and the cost to conduct a title search is typically included in the price of title insurance. Before issuing a policy, the title agent or company conducts a detailed review of historical public records to see if there are any title concerns with the property you are looking to buy. These records include, but are not limited to, court judgments, deeds, mortgages, wills, divorce decrees, tax records, and maps.
Title defects, often referred to as unknown claims or encumbrances, can result in substantial financial losses, up to and including loss of ownership of the property. If you have a title insurance policy, the insurance company will defend your title in court and pay any settlement amount you owe to clear the title, as long as the defect is a covered item. Following are examples of title defects:
At Dickinson County Title, we believe in the power of community and family. As a proud family-owned and locally operated business, our family is dedicated to our neighbors with integrity, and are committed to supporting and enriching the lives around us. Family values are at the core of everything we do. Whether it’s through our client relationships, involvement in local events, or our support of local initiatives, we are dedicated to making a positive impact. We are more than just a business; we strive to be a part of the fabric that makes this community special.
CEO
Scott Zeuske is a seasoned title insurance professional with over two decades of industry experience. Scott’s career is marked by dedication to his client relationships and has established himself as a knowledgeable and reliable local expert. His extensive and diverse background has equipped him with a comprehensive understanding of the title insurance industry, allowing him to navigate its complexities with ease. Scott is known for his work ethic and providing exceptional service to his clients. He takes pride in ensuring his customer’s transactions are handled with the utmost care and professionalism. He will continue to be a driving force in the community growth and development.
