Why Reviewing Your Title Commitment Is So Important

Why Reviewing Your Title Commitment Is So Important

When you’re buying property in Arizona, one of the most important documents you’ll receive before closing is the title commitment. It’s essentially the blueprint for your property’s title — outlining ownership history, requirements for issuing title insurance, and any exceptions to your coverage.

At Arizona Premier Title, we want our clients to understand exactly what they’re getting, and that starts with reviewing the title commitment carefully.

What to Look for in Your Title Commitment

1. Legal Description

Make sure the legal description accurately reflects the property you’re buying — not just the street address. This description defines your property’s exact boundaries and location in legal terms.

2. Ownership History

Confirm that the current owner matches the seller in your purchase contract. If there are discrepancies, they must be resolved before closing.

3. Exclusions and Exceptions

Pay close attention to the list of exclusions and exceptions in your title policy. These are matters not covered by your title insurance, such as:

  • Easements (allowing others to use part of your property)

  • Restrictions or covenants that limit how you can use the land

  • Certain zoning requirements

Why It’s So Important

A title commitment protects you from buying a property with hidden issues. If you skip reviewing it or don’t ask questions, you could face unpleasant surprises later — such as:

  • Inheriting someone else’s debt or legal dispute

  • Being restricted from building or improving your property

  • Discovering that someone else has a legal right to use part of your land

Ask Questions — Always

If you don’t understand something in your title commitment, speak up. Your title company and real estate agent are there to explain:

  • What each section means

  • Which items need to be cleared before closing

  • How exclusions might affect your ownership

The Bottom Line

The title commitment is your first look at the fine print of your ownership rights. Review it carefully, ask questions, and make sure you’re comfortable with every detail before you sign.

At Arizona Premier Title, we walk our clients through every section so they know exactly what to expect on closing day.