Do I Need Title Insurance in Costa Rica?
Why Registro Nacional System Eliminates Title Insurance Necessity
Escazú Attorney Office – The $3,200 Waste
The Seattle couple sat in their Washington attorney's office reviewing closing documents for their Costa Rica mountain property purchase. The attorney, experienced in US real estate but unfamiliar with Costa Rica's system, reviewed the paperwork and made his recommendation: "You need title insurance. This is standard protection for any property purchase. I'm arranging a $3,200 policy through our preferred provider to protect your $340,000 investment."
The couple hesitated. Their Costa Rica notary had told them **title insurance in Costa Rica** was unnecessary because the Registro Nacional system provided complete property history that eliminated hidden title risks. The Seattle attorney dismissed this advice as "foreign legal system unfamiliarity" and insisted: "Title insurance is fundamental protection. Don't skip it to save a few thousand dollars when you're spending hundreds of thousands on property."
They paid the $3,200 premium and closed on the property. Six months later, reviewing their purchase documents, they realized their Costa Rica notary had been correct. The comprehensive title search they'd commissioned for $280 had already revealed everything the title insurance policy claimed to protect against. The Registro Nacional's ten-year property history showed no gaps, no hidden claims, no unrecorded liens, no ownership disputes—because such problems cannot exist in Costa Rica's centralized registration system.
The title insurance policy they purchased covered risks that don't apply in Costa Rica: "hidden" liens that weren't registered (impossible—all liens must be registered to have legal effect), ownership disputes from unrecorded transfers (impossible—all transfers must be registered), boundary problems from survey errors (prevented by required cadastral plan registration), and forgery or fraud in previous transfers (revealed by ten-year history examination showing all ownership changes).
They'd spent $3,200 insuring against problems that Costa Rica's superior property registry system already prevented. Their $280 professional title search had provided complete protection by verifying the property had clean registered title. The title insurance added zero protection because if the search showed clean registration, the title WAS clean—there were no "hidden" risks that insurance could discover or protect against.
Meanwhile, their neighbors purchasing similar property followed their Costa Rica notary's advice, invested $300 in comprehensive title search, confirmed clean title, and saved $3,200 by skipping unnecessary insurance. Both couples own properties with identical title security. One couple paid $3,480 for verification and insurance. The other paid $300 for verification alone and achieved the same protection. The $3,180 difference represented money wasted on insurance protecting against risks that don't exist in Costa Rica's property registration system.
This case demonstrates why understanding how Costa Rica's Registro Nacional differs from US title recording systems is critical before spending thousands on title insurance designed for US market problems that don't apply in Costa Rica. The question isn't whether you need title protection—you absolutely do. The question is whether title insurance provides protection beyond what comprehensive title search already delivers in Costa Rica's superior centralized registry system.
Title insurance is generally unnecessary in Costa Rica because the Registro Nacional's centralized property registration system provides complete public record of all ownership, mortgages, liens, and encumbrances, eliminating the "hidden" title risks that title insurance protects against in countries with decentralized or incomplete recording systems. If comprehensive ten-year title search shows clean registered title with no problems, the title IS clean—there are no undiscovered claims that could emerge later. The $200-400 spent on thorough title investigation provides superior protection to $2,000-5,000 title insurance premium that covers risks already revealed or prevented by proper registry search.
Why Title Insurance Exists in the United States
Understanding why title insurance is essential in the United States but largely unnecessary in Costa Rica requires understanding fundamental differences between US property recording systems and Costa Rica's Registro Nacional. These structural differences explain why risks requiring insurance coverage in one country are already prevented by superior registry design in the other.
US Property Recording Problems
The United States uses decentralized county-by-county recording systems where property ownership and encumbrances are recorded in thousands of separate county clerk offices with varying procedures, record quality, and historical completeness. This fragmented system creates risks that title insurance addresses: deeds or mortgages recorded in wrong county and never discovered during title search, historical gaps in recording before modern systems were implemented, forged or fraudulent documents recorded without verification, liens recorded in one jurisdiction affecting property in another jurisdiction, errors in indexing making legitimate records undiscoverable through standard search, and ownership claims from heirs or parties whose interests weren't properly recorded.
Title insurance in US protects against these system deficiencies by guaranteeing to defend your ownership and pay losses if "hidden" problems emerge that weren't discovered during title search. The insurance isn't protecting against negligence in conducting search—it's protecting against risks inherent in decentralized recording system where complete information might not be discoverable despite thorough search effort.
A US property might have clean title according to county records search, but later discovery reveals prior owner forged documents twenty years ago, out-of-state judgment lien was never properly indexed, or heir who wasn't notified of estate proceedings has legal claim. These hidden problems can cost hundreds of thousands to defend or resolve. Title insurance pays these costs, making it essential protection in US real estate transactions.
Costa Rica's Superior Centralized System
Costa Rica's Registro Nacional operates completely differently. All property in Costa Rica with legal title exists in single centralized database with complete ownership and encumbrance history from the moment property was first registered. Every transfer, mortgage, lien, easement, restriction, or annotation must be recorded in this central registry to have legal effect. If it's not registered, it doesn't exist legally.
This centralization eliminates the hidden risks title insurance protects against in US system: all liens must be registered to be valid, so comprehensive search reveals every encumbrance—there are no "hidden" liens recorded elsewhere or missed through indexing errors. All ownership transfers must be registered, creating complete chain of title with no gaps or unrecorded interests that could emerge later. Forgery or fraud in previous transfers shows in historical record examination—ten-year search reveals suspicious patterns requiring investigation. Boundary documentation is standardized through required cadastral plan registration—all properties have registered surveys eliminating ambiguity. All encumbrances are recorded in single folio (property record) making complete search straightforward without cross-referencing multiple jurisdictions.
If ten-year title search of Registro Nacional folio shows clean title with no mortgages, liens, restrictions, or annotations, the title IS clean. There cannot be hidden claims recorded elsewhere, unindexed encumbrances, or ownership disputes from unrecorded interests because the centralized system requires registration for legal validity. The comprehensive search reveals everything that exists—there's nothing left for insurance to protect against.
What This Means for Buyers
In United States, title insurance is essential despite thorough title search because system design creates irreducible risk of hidden problems. You need both professional search AND insurance because search might miss legitimately recorded information or problems might exist that weren't recorded at all.
In Costa Rica, comprehensive title search provides complete protection because system design prevents hidden problems. If search shows clean registered title, you don't need insurance to protect against risks that cannot exist in centralized registry. The money spent on insurance duplicates protection already provided by proper search, wasting thousands on unnecessary coverage.
Title Search vs. Title Insurance: Cost and Protection Comparison
Comprehensive Title Search - $200-400 USD:
What it provides: Complete verification of ownership, ten-year historical analysis revealing all transfers and patterns, mortgage identification with amounts and terms, lien discovery including verification of releases through lien holder contact, easement and restriction documentation with legal interpretation, boundary confirmation comparing registered plan to actual survey, corporate standing verification if applicable, written report with clear recommendations.
Protection value: If search shows clean title, title IS clean. No hidden risks can exist in Registro Nacional centralized system. Search reveals 100% of registered information affecting property.
Title Insurance Policy - $2,000-5,000 USD:
What it claims to provide: Protection against undiscovered liens, forgery in previous transfers, ownership claims from unrecorded interests, boundary disputes from survey errors, legal defense if claims arise.
Actual value in Costa Rica: Near zero. The risks insurance covers either don't exist in CR system (hidden unregistered liens impossible), are already revealed by proper search (forgery shows in historical analysis), or aren't covered by insurance anyway (known problems discovered during search are excluded from coverage).
Smart Approach: Invest $300 in comprehensive professional title search. If search confirms clean title, save $2,000-5,000 by skipping unnecessary insurance. Use savings for inspection, survey, or other valuable due diligence.
Wasteful Approach: Pay $300 for title search, then pay additional $3,000 for insurance protecting against risks the search already eliminated. Total cost $3,300 for same protection $300 search provided alone.
When Title Insurance Might Add Value (Rare Cases)
While title insurance is unnecessary for vast majority of Costa Rica property purchases, certain extremely unusual circumstances might justify insurance as additional protection beyond comprehensive title search. These situations are rare exceptions, not standard practice.
Complex Multi-Parcel Assemblages
Developers purchasing multiple adjacent parcels to assemble large development site might face risk if one parcel's title has problems not immediately apparent that could affect the entire development. Insurance covering the assembled property might provide protection if one component parcel's historical ownership contains defects discovered after substantial development investment. This scenario is unusual—most developers address title concerns before purchasing—but insurance could protect against catastrophic loss if one parcel in 20-parcel assemblage has hidden defect affecting $5 million development.
Even in this scenario, comprehensive title search on every parcel before purchase is still primary protection. Insurance would be supplemental coverage against the remote possibility that something was missed despite thorough investigation.
Properties with Suspicious Historical Patterns
If title search reveals concerning patterns in ten-year history—multiple rapid ownership changes, liens filed and released without clear payment documentation, ownership transfers within families that might indicate estate manipulation—but buyer decides to proceed anyway with negotiated price reduction, title insurance might provide protection against problems emerging from these suspicious patterns.
The better approach is simply not purchasing properties with problematic title history. But if buyer accepts the risk for substantial discount, insurance adds layer of protection. This represents insurance functioning as intended—protecting against known risk buyer is accepting rather than insuring against problems that can't exist in the system.
Situations Where Fraud Is Suspected
If buyer has reason to believe seller might be attempting fraud—forged corporate documents, suspicious power of attorney, unusual pressure for rapid closing—but chooses to proceed with extensive verification and legal safeguards, title insurance might provide recourse if fraud is later proven and buyer loses the property.
Again, better approach is walking away from transactions where fraud is suspected. But insurance could provide financial recovery if sophisticated fraud succeeds despite buyer's investigation efforts. This is extraordinarily rare—I've seen maybe two cases in 27 years where it would have applied.
Very High-Value Purchases
For extremely expensive properties—$5 million+ purchases where even remote risk represents enormous potential loss—some buyers purchase title insurance as psychological security rather than actual risk protection. If $4,000 insurance premium provides peace of mind on $8 million purchase even though comprehensive search already confirmed clean title, that might be reasonable expense relative to transaction value.
This isn't insurance protecting against real risk—it's expensive peace of mind purchase. The protection already exists from proper title search. But some buyers want every possible safeguard regardless of actual necessity, and for very high-value transactions the insurance cost becomes relatively smaller percentage of purchase price.
What Title Insurance Actually Covers in Costa Rica
Title insurance policies offered in Costa Rica typically provide limited coverage that excludes most risks buyers assume insurance protects against. Understanding what policies actually cover—versus what marketing suggests they cover—reveals why insurance provides minimal value beyond proper title search.
Standard Exclusions
Title insurance policies exclude coverage for anything discovered during title search or disclosed in property documentation. This means if your comprehensive title search revealed existing mortgage, lien, easement, or restriction, the insurance doesn't cover problems arising from those known issues. Insurance only covers problems that weren't discovered despite search—but in Costa Rica's centralized registry, proper search discovers everything that exists.
Policies also exclude coverage for: problems created by buyer's own actions after purchase, environmental contamination or hazardous conditions, zoning violations or unpermitted construction, governmental taking or eminent domain, native title or indigenous land claims (rare in Costa Rica but relevant in certain areas), and problems that couldn't be discovered through public records search (doesn't apply in CR because all title information IS in public records).
What remains after these exclusions? Very little risk in Costa Rica context. Insurance covers undiscovered liens not revealed in Registro search (impossible—all valid liens must be registered), forgery in previous ownership transfers not detected through historical analysis (rare and usually evident in ten-year review), and ownership claims from interests not shown in public records (unlikely because centralized registration captures all legal interests).
Coverage Limitations
Even when policy theoretically covers a problem, coverage comes with limitations: policy amount is typically purchase price or less—you're not covered for appreciation or development value added after purchase, deductibles might require buyer to cover first $5,000-$10,000 of any claim, legal defense is provided but policy might not cover all attorney fees if claim is complex, and settlement decisions are controlled by insurance company—they might settle claim disadvantageously to minimize their costs even if different approach would better protect your interests.
Title insurance also ends when you sell the property—it only protects during your ownership period. New buyer needs their own policy. This differs from permanent title correction through proper search and resolution of problems before purchase, which fixes title permanently for all future owners.
What You're Really Paying For
When you purchase title insurance in Costa Rica, you're paying primarily for: insurance company's administration costs and profit margin (60-70% of premium), commission to agent or attorney selling you the policy (15-20% of premium), actual risk coverage that might provide value (10-20% of premium), and processing and underwriting expenses (10% of premium).
On $3,000 policy, maybe $300-600 represents actual value transfer providing coverage for remote risks. The rest is fees and profit. Compare this to $300 comprehensive title search where 100% of cost goes to investigation providing direct protection value through verification.
Why US Attorneys Recommend Title Insurance for Costa Rica Purchases
Understanding the Recommendation: US attorneys routinely recommend title insurance for Costa Rica property purchases because they're applying US real estate practice to foreign transaction without understanding fundamental system differences. In US, title insurance is essential. These attorneys assume same necessity applies everywhere.
What They Miss: US decentralized recording creates hidden risks requiring insurance. Costa Rica's centralized Registro Nacional eliminates those risks through system design. Comprehensive search reveals everything—there's nothing hidden for insurance to protect against. US attorney recommending CR title insurance is like recommending snow tires in tropical climate because they're essential in northern states.
Financial Incentives: Some attorneys receive referral fees or commissions from title insurance companies when clients purchase policies. This creates financial incentive to recommend insurance regardless of actual necessity. Not all attorneys operate this way, but conflict of interest exists when someone makes money from product they're recommending.
Liability Concerns: Attorneys might recommend insurance to protect themselves from malpractice claims if something goes wrong. If they said "don't buy insurance" and problem emerged (even if insurance wouldn't have covered it), client might sue. Recommending insurance creates documentation showing attorney was "cautious" even if recommendation wasn't appropriate for Costa Rica transaction.
Better Approach: Consult Costa Rica attorney experienced in CR property law who understands Registro Nacional system and can explain why title insurance is unnecessary when proper title search confirms clean registry. Don't rely solely on US attorney applying US practices to CR transaction without understanding critical system differences.
Investing Title Insurance Money in Better Due Diligence
The $2,000-5,000 most buyers waste on unnecessary title insurance could be invested in due diligence that actually adds protection value: professional property inspection, topographic survey and boundary verification, environmental assessment, legal review of construction permits and zoning compliance, or independent appraisal confirming market value.
Property Inspection
Costa Rica doesn't require home inspections. Sellers aren't obligated to disclose defects. Buyers who skip inspection discover after closing that beautiful house needs $40,000 roof replacement, $25,000 electrical rewiring, $15,000 plumbing repairs, or $30,000 foundation work. Professional inspection costs $400-800 and identifies problems before you're committed to purchase, allowing negotiation for price reduction or seller repairs.
Spending $600 on inspection that discovers $50,000 in hidden defects provides 8,333% return through avoided costs or negotiated price adjustment. That's real protection with measurable value—unlike title insurance protecting against problems that don't exist in CR system.
Topographic Survey
Registered boundaries sometimes don't match physical property. Sellers sometimes show buyers more land than registered folio actually conveys. Professional survey costs $800-1,500 and confirms you're getting the square meters you're paying for, identifies encroachments or boundary disputes requiring resolution, verifies building locations comply with setback requirements, and confirms property can accommodate planned construction within legal boundaries.
Survey discovering you're getting 4,000 square meters instead of represented 5,000 square meters justifies $50,000+ price reduction ($50 per square meter). The $1,200 survey cost returns 4,167% if it identifies meaningful boundary discrepancy requiring price adjustment.
Environmental Due Diligence
Properties in protected zones, near wetlands, or in watershed areas face development restrictions that might prohibit your intended use. Environmental assessment costs $600-1,200 and verifies property isn't in restricted zone limiting construction, confirms required permits are obtainable for planned development, identifies environmental obligations like reforestation requirements, and assesses flood risk or geological hazards.
Discovering that "buildable mountain lot" is in protected watershed prohibiting construction saves you from wasting entire $180,000 purchase price on unbuildable land. The $900 environmental assessment preventing that disaster provides 20,000% return through avoided catastrophic loss.
Total Due Diligence Investment
Comprehensive due diligence package costs $2,500-3,500 total: title search ($300), property inspection ($600), topographic survey ($1,200), environmental assessment ($900), legal document review ($500). This provides actual protection identifying real problems that commonly exist: defective construction requiring expensive repairs, boundary discrepancies reducing actual property size, environmental restrictions prohibiting planned use, and zoning violations or permit problems preventing legal development.
Compare this to $3,000 spent on title insurance alone protecting against problems that don't exist in CR registry system. Same money invested in comprehensive due diligence provides protection against multiple real risks that frequently cause buyer losses. The smart approach is obvious.
Frequently Asked Questions
Do I need title insurance when buying property in Costa Rica?
Title insurance is generally unnecessary in Costa Rica because the Registro Nacional's centralized property registration system eliminates the hidden title risks that insurance protects against in countries like the United States with decentralized recording systems. If comprehensive ten-year title search shows clean registered title with no mortgages, liens, or encumbrances, the title IS clean—there cannot be hidden claims that could emerge later because all legal interests must be registered in the central Registro to have validity. The $200-400 spent on thorough title search provides complete protection by verifying clean registry. Title insurance costing $2,000-5,000 duplicates this protection without adding value because it covers risks that either don't exist in CR system (hidden unregistered liens impossible) or are already revealed by proper search (ownership history shows all transfers, lien search verifies releases are legitimate). The money wasted on unnecessary insurance could be invested in valuable due diligence like property inspection ($600), topographic survey ($1,200), or environmental assessment ($900) that identify real problems affecting most purchases. Save the insurance premium and invest in comprehensive search plus other due diligence addressing actual risks in CR property transactions.
Why do US attorneys recommend title insurance for Costa Rica purchases?
US attorneys recommend title insurance for Costa Rica property because they're applying US real estate practice to foreign transactions without understanding fundamental differences between US decentralized recording systems and Costa Rica's centralized Registro Nacional. In United States, title insurance is essential protection against hidden risks inherent in county-by-county recording with historical gaps, indexing errors, and unrecorded interests that might affect property despite thorough search. These attorneys assume same risks exist everywhere and recommend insurance as standard practice. What they miss is that Costa Rica's centralized registry eliminates the hidden risks requiring insurance coverage in US. If proper title search shows clean registered title in CR, there are no undiscovered claims because all legal interests must be registered to have validity. US attorney recommending CR title insurance is like recommending flood insurance for mountain property because it's essential for coastal areas—they're applying solution to problem that doesn't exist in this context. Additionally, some attorneys receive referral fees or commissions from insurance companies creating financial incentive to recommend policies regardless of necessity. Better approach is consulting Costa Rica attorney experienced in CR property law who understands why insurance is unnecessary when comprehensive title search confirms clean Registro status.
What does title insurance actually cover in Costa Rica?
Title insurance policies in Costa Rica provide limited coverage that excludes most risks buyers assume insurance protects against. Standard exclusions include: any problems discovered during title search or disclosed in documentation (if comprehensive search revealed existing lien or easement, insurance doesn't cover issues arising from known problems), issues created by buyer's actions after purchase, environmental contamination or hazardous conditions, zoning violations or unpermitted construction, governmental taking or eminent domain, and problems that couldn't be discovered through public records (doesn't apply in CR where all information IS in public records). What remains after exclusions? Coverage for undiscovered liens not in Registro search (impossible—all valid liens must be registered), forgery in previous transfers not detected in historical analysis (rare and usually evident in ten-year review), and ownership claims from unrecorded interests (unlikely because centralized registration captures all legal interests). Coverage has further limitations: policy amount is purchase price or less (no coverage for appreciation or development value), deductibles might require buyer to cover first $5,000-10,000 of claims, legal defense provided but not all attorney fees might be covered, and insurance company controls settlement decisions potentially disadvantaging buyer to minimize company costs. On $3,000 policy, maybe $300-600 represents actual value covering remote risks. Rest is fees, profit, and commissions. Compare to $300 comprehensive search where 100% of cost provides direct protection through verification.
Are there situations where title insurance makes sense in Costa Rica?
Title insurance might add value in extremely rare circumstances: (1) Complex multi-parcel assemblages where developer purchases 20+ adjacent parcels and insurance protects against one parcel having hidden defect affecting entire development—even here, comprehensive search on every parcel is primary protection and insurance is supplemental, (2) Properties with suspicious historical patterns (rapid ownership changes, questionable lien releases) where buyer proceeds with negotiated price discount and insurance provides protection against problems from known risky history, (3) Situations where fraud is suspected but buyer proceeds with extensive verification—insurance might provide recourse if sophisticated fraud succeeds despite investigation (extraordinarily rare, maybe 2 cases in 27 years), (4) Very high-value purchases ($5 million+) where $4,000 insurance premium provides psychological security even though comprehensive search already confirmed clean title—this is expensive peace of mind rather than actual risk protection. These scenarios represent maybe 1-2% of transactions. For 98% of normal property purchases—single residential or commercial property with straightforward ownership—title insurance wastes $2,000-5,000 protecting against risks already eliminated by proper title search. Better investment is comprehensive due diligence addressing real risks: property inspection finding defects, survey confirming boundaries, environmental assessment verifying buildability, legal review checking permits and compliance.
How does Costa Rica's property registry differ from US title recording?
Costa Rica's Registro Nacional is centralized national database where all property with legal title exists with complete ownership and encumbrance history from first registration. Every transfer, mortgage, lien, easement, restriction, or annotation must be recorded in this central registry to have legal effect—if not registered, it doesn't exist legally. This eliminates hidden risks: all liens must be registered so comprehensive search reveals every encumbrance with no possibility of hidden liens recorded elsewhere, all transfers must be registered creating complete chain of title with no gaps, boundary documentation is standardized through required cadastral plan registration eliminating ambiguity, and all information for any property exists in single folio making complete search straightforward. United States uses decentralized county-by-county recording where property information is spread across thousands of separate clerk offices with varying procedures and historical completeness. This creates risks: deeds recorded in wrong county might not be discovered, historical gaps exist before modern systems, forged documents might have been recorded without verification, indexing errors make legitimate records undiscoverable, and ownership claims from unrecorded interests can emerge years later. US title insurance protects against these system deficiencies. Costa Rica's superior system design prevents the problems requiring insurance, making comprehensive title search sufficient protection. If CR search shows clean title, title IS clean—no hidden claims can exist because registration is required for validity.
What should I spend money on instead of title insurance?
The $2,000-5,000 wasted on unnecessary title insurance should be invested in due diligence addressing real risks in Costa Rica property purchases. Recommended investment: (1) Comprehensive title search ($200-400) verifying clean Registro ownership, investigating ten-year history, confirming lien releases are legitimate, analyzing restrictions and their impact, (2) Professional property inspection ($400-800) identifying structural defects, electrical/plumbing problems, roof condition, foundation issues—CR doesn't require inspections so sellers don't disclose defects, (3) Topographic survey ($800-1,500) confirming registered boundaries match physical property, verifying square meters equal purchase agreement representations, identifying encroachments or setback violations, (4) Environmental assessment ($600-1,200) verifying property isn't in protected zone restricting development, confirming permits are obtainable for planned use, identifying environmental obligations, (5) Legal review of permits and compliance ($300-500) checking construction approvals, zoning compliance, building code adherence. Total comprehensive due diligence: $2,500-3,500 providing protection against multiple real risks that commonly cause buyer losses—defective construction requiring expensive repairs, boundary discrepancies reducing property size, environmental restrictions prohibiting planned use, zoning violations preventing legal development. Compare to $3,000 title insurance protecting against problems that don't exist in CR system. Smart buyers invest in due diligence addressing actual risks rather than insurance protecting against impossible risks.
Will my lender require title insurance for Costa Rica property?
Most expat buyers purchase Costa Rica property with cash because financing is extremely difficult to obtain for foreign buyers—local banks rarely provide mortgages to non-residents, and interest rates for those who qualify are typically 12-18% making financing uneconomical. If you're paying cash (as 95% of expat buyers do), no lender exists to require title insurance and decision is entirely yours—skip unnecessary insurance and invest in comprehensive title search plus other valuable due diligence. If you've somehow obtained mortgage financing through US bank or private lender, they might require title insurance as condition of loan because they're applying US lending standards without understanding CR system differences. In this case, explain to lender that Costa Rica's centralized Registro Nacional eliminates hidden risks title insurance protects against in US, and comprehensive professional title search provides superior protection by verifying clean registered title. Show them the title search report demonstrating complete investigation. Some sophisticated lenders will accept this explanation and waive insurance requirement. Others will insist on insurance regardless. If lender absolutely requires insurance and won't proceed without it, you might have to purchase policy to close the loan—but understand you're buying it to satisfy lender's requirement based on US practice, not because it actually provides valuable protection in CR context. Consider this cost of obtaining financing rather than necessary protection expense.
Comprehensive Title Search vs. Unnecessary Insurance
Professional Registro Nacional investigation providing superior protection to title insurance at fraction of the cost. Ten-year history, ownership verification, lien confirmation, legal analysis.
