Access Abstract knows the ins and outs of title insurance in PA and NJ, so we can navigate the red tape with ease to assure you have a smooth settlement. We offer you a level of service the big outfits can’t match. We personally coordinate your closing and attend your settlement. We are always reachable, even on nights and weekends.While each title policy is subject to specific terms, conditions and exclusions, the policy insures against events that occurred in the past of the real property and the people who owned it, for a one-time premium paid at the closing of escrow. Pennsylvania and New Jersey title insurance from a reputable title insurance company like Access Abstract is required for every home purchase and refinance where a lending institution is involved, but that only protects the lender. An additional owner’s title insurance policy is necessary to fully protect a home buyer.