Surveys, Easements & Title Insurance

Surveys and Title Insurance: Why They Matter

A property survey is one of the most important tools buyers have to protect their ownership rights. A survey shows the exact boundaries of the property and identifies potential issues such as encroachments, easements, overlapping fences, driveway crossings, or structures that extend onto neighboring land. Without a current survey, these problems may not be discovered until after closing.

Surveys are also closely connected to title insurance coverage. Most title insurance policies contain what is known as a survey exception. This means the policy will not cover boundary disputes, encroachments, or other survey-related issues unless a current survey is reviewed by the title company and the exception is removed or modified. When a survey is provided, the title insurer can often issue additional coverage that protects the buyer against these types of problems.

Because of this, buyers should carefully consider both the title insurance company and the settlement (closing) agent they select. In Virginia, buyers have the legal right to choose their own settlement agent rather than automatically using the one suggested by the seller, builder, or real estate agent. Selecting an experienced settlement professional who understands surveys, easements, and boundary issues can significantly improve the level of protection offered by the title policy.

While obtaining a survey adds an upfront cost, it often provides peace of mind and stronger title insurance coverage. Understanding property boundaries before closing helps prevent disputes with neighbors, protects the value of the property, and ensures that the title insurance policy offers the best possible protection for the buyer’s investment.