What does "insurable title" mean?

"Insurable title" refers to a title that is considered acceptable for the issuance of title insurance. This means that the title has been examined for any defects, claims, or encumbrances that could affect ownership rights. The title must meet certain criteria established by the title insurance company, ensuring that it is free of significant issues that would prevent issuing a policy.

In the context of title insurance, insurable title is crucial because it allows the property owner to receive protection against future claims or legal challenges concerning ownership. Title insurance companies conduct thorough due diligence, including public records searches and legal analysis, to determine if a title qualifies as "insurable."

This definition clearly distinguishes insurable title from options that describe titles currently in litigation or without recorded history, as those would typically not qualify for title insurance. Thus, understanding insurable title is fundamental for anyone dealing with real estate and title insurance in Kansas.