Closing

CalAtlantic Title

CalAtlantic Title

Our affiliate title companies (collectively, "CalAtlantic Title") offer closing agent and/or title insurer services in the following states:

State Entity Services
Arizona CalAtlantic Title, Inc. Closing Agent and Title Insurer
Colorado CalAtlantic Title, Inc. Closing Agent and Title Insurer
Florida CalAtlantic Title, Inc. Closing Agent and Title Insurer
Illinois CalAtlantic Title, Inc. Closing Agent and Title Insurer
Indiana CalAtlantic Title, Inc. Closing Agent and Title Insurer
Minnesota CalAtlantic Title, Inc. Closing Agent and Title Insurer
Nevada CalAtlantic Title, Inc. Closing Agent and Title Insurer
New Jersey CalAtlantic Title, Inc. Closing Agent and Title Insurer
Texas CalAtlantic Title, Inc. Closing Agent and Title Insurer
Virginia CalAtlantic Title, Inc. Closing Agent and Title Insurer
North Carolina CalAtlantic Title, Inc. Title Insurer Only
Delaware CalAtlantic Title, Inc. Title Insurer Only
Georgia CalAtlantic Title Atlanta, LLC. Closing Agent and Title Insurer
Maryland CalAltantic Title of Maryland, Inc. Closing Agent and Title Insurer
Pennsylvania CalAtlantic Abstract, Inc. Closing Agent and Title Insurer
South Carolina CalAtlantic Title Charleston, LLC. Closing Agent and Title Insurer
California Does Not Operate

You are not required to use CalAtlantic Title for closing agent or title insurer services. However, if you elect to use them, CalAtlantic Title may be able to help streamline the closing process by utilizing its unparalleled knowledge of the new home communities, and new home sale closing procedures, of CalAtlantic Homes.

What is Title Insurance?
When all or part of the ownership of real property is transferred, or real property is used as collateral for a loan or other obligation, a record of that transaction is generally filed in the land records of the county in which the property is located. When a homebuyer purchases title insurance, the title company providing title insurer services searches these land records to find (and to help remedy, if possible) issues that may affect title, such as liens, levies or encumbrances, to help ensure the homebuyer is obtaining unencumbered ownership of the property.

There are two types of title insurance: Lender’s Title Insurance and Owner’s Title insurance. If you finance the purchase of your home, your lender will require that you purchase Lender’s Title Insurance, which is intended to protect the lender against covered title defects that threaten the lenders lien interest in your home. Owner’s Title Insurance is optional and is available whether you finance the purchase of your home or pay cash. If you elect to purchase Owner’s Title Insurance, it is intended to protect you against covered title defects affecting your home (such as from debt or obligations secured by the property and not created or agreed to by you).

If you elect to purchase an Owner’s Title Insurance policy, and you suffer a covered claim, the Owner’s Title Insurance policy is intended to protect you up to the purchase price of your home, plus legal costs associated with defending the title claim. If you only purchase Lender’s Title Insurance, and the lender suffers a covered claim, the lender may receive claim proceeds, but you will not be covered as an additional insured and your ownership, or enjoyment, of your home may be compromised. Unlike annual premiums associated with homeowner’s insurance, the cost of Title Insurance (either Lender’s or Owner’s) is a one-time charge collected at your new home purchase closing.

If You Elect To Use CalAtlantic Title Where Offered

The Process
Approximately 60 days before your anticipated closing date, CalAtlantic Title will begin the process of compiling and reviewing pertinent information about your new home (title search, homeowners’ association documents, tax statements, loan documents, etc.).

Then, while CalAtlantic Homes is completing the finishing touches on your new home, a representative of CalAtlantic Title will notify you of your closing date, and provide you with wire instructions for your transaction.

The Day of Closing
On the day of your new home closing appointment, all required paperwork will be available for your review and signatures. The Closing Disclosure (CD) settlement statement, as well as any loan documents (if you are financing your home purchase), and the ownership transfer documents, will summarize the details of your home purchase, including the final amount due from you. The typical closing takes approximately one to two hours to complete.

Contact Our Affiliate Title Company
Click below for contact information and directions to our affiliate title company branch office in your area.

Request a Copy of a previously purchased Title Policy.
Email: FAST.TROCPolicy@CalAtl.com

CalAtlantic Insurance Services

CalAtlantic Insurance Services

While you can’t foresee the future, CalAtlantic Insurance Services (CAIS) provides the resources, experience, and expertise to help you prepare for it. CAIS, an affiliate of CalAtlantic Homes, is an independent insurance agency with access to established insurance carriers that offer competitive coverage and pricing.

If you decide to finance the purchase of your new home, your lender will require you to obtain homeowners insurance and, in some cases, flood insurance. Insurance policies are not one-size-fits-all. The highly trained agents of CAIS can help you find the coverage you need at an affordable price, making sure you take advantage of all of the discounts that may be available including, new home discounts, guarded/gated community discounts, mature citizen/retiree discounts, fire/burglar alarm discounts, and multiple policy discounts.

While you are not required to use CAIS as part of your new home purchase, CAIS is able to utilize its unparalleled knowledge of the new home communities, and new home sale closing procedures, of CalAtlantic Homes to help get you the insurance coverage you choose at an affordable price, and to make your new home buying experience as smooth as possible.

Insurance Products CAIS Can Offer You

Homeowners
Homeowners insurance protects what is likely one of your most valuable assets, your home. CAIS, can use its unparalleled knowledge of your new home and community to quickly help tailor a homeowner’s insurance policy to cover items that include, in addition to your home, other structures on your property, contents/personal property, personal liability, and medical payments.

Auto
CAIS offers competitive automobile policies through national carriers.

Condominiums
CAIS knows what is covered under a condominium master policy for a CalAtlantic Homes condominium project, and can design an insurance package exclusively for you, to cover items such as personal property, interior fixtures and cabinets.

Flood
Your Homeowner’s insurance policy does not cover damage to your home or personal property caused by a flood. If the home you are purchasing is located in a participating flood zone, CAIS can help you obtain a flood insurance policy through the National Flood Insurance Program (NFIP), a federally backed program administered by the Federal Emergency Management Agency (FEMA). CAIS agents can advise you if you are required to have flood insurance for your new home, and what a flood policy would cover.

Specialty Coverages
CAIS can provide you with coverage for your boat, recreational vehicle, and/or your secondary/seasonal homes, as well as other specialty insurance products.

Covered States
Located in Charlotte, N.C., CalAtlantic Insurance Services serves customers in all states where CalAtlantic Homes operates, including Arizona, California, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Maryland, Minnesota, New Jersey, Nevada, North Carolina, Pennsylvania, South Carolina, Texas, and Virginia.

CalAtlantic Insurance Services
For questions, please email CAIS at Insurance@CalAtl.com, or call 800-749-5000.

The Final Steps to Home Ownership

Closing on a new home

You are in the home stretch. Closing is the final step and our experts will guide you through all the steps and paperwork so you know exactly what to expect. Once finished you will leave with your keys to your new CalAtlantic Home.

Customer Assurance After the Sale

Contacting customer service and warranty

Welcome to the CalAtlantic Homeowner Community! Long after your new home is closed and you've moved in, your relationship with CalAtlantic will continue. With some of the highest customer satisfaction scores in the industry and unparalleled home warranty the joy of home ownership will continue long after the closing.