What’s the deal with title insurance? Brent Saunders, the Business Development Manager for PM Title in Columbus, Ohio, breaks down the difference between standard and enhanced title insurance and why you need it. Listen in to hear the stories of when he got chased off church property and awkwardly stuck between a fighting husband and wife. Please subscribe to this podcast in iTunes or in the Podcasts App on your phone, and never miss a beat from Leigh by visiting leighbrown.com. If you’re tired of doing real estate alone, enroll in Leigh Brown University and be sure to use your special “CSIRE” discount code at checkout for $10 off your subscription. Time Stamped Show Notes 01:00 – Introducing Brent, the Business Development Manager for PM Title in Columbus, Ohio - the fastest-growing title company in Ohio since 2015 01:15 - They help agents and have a videography team, a social media team, a podcast, and more 02:10 - Agents don’t have to disclose how they leverage their vendors and resources; he’s okay with agents taking all the credit 04:30 – Standard vs. enhanced title insurance 04:48 - There are three basic formed of title insurance: lender’s policy, homeowner’s policy, and an owner’s policy 05:00 - You pay a premium in case there’s a problem like any other insurance product, but it also covers any problems that have already happened 05:50 - Lenders typically require a lender’s policy to protect their assets and investment 06:20 - Owner’s and homeowner’s policies protect against a claim; in the Columbus market, they require the enhanced policy 07:00 - The enhanced policy is 15% more expensive and appreciates with the property 08:00 – On getting an enhanced policy if you already have a standard one 08:15 - He’s not sure if you can switch; he’ll ask his attorney 08:50 – Brent’s CRIRE story 09:10 - 3 years ago, they hired their first videographer; an agent needed a video of a church that was a total wreck 09:45 - They couldn’t get into the property and tried the back door; the next-door people started screaming at them 10:30 - A guy comes out and starts screaming at them, calling them slum lords, and saying their kids keep getting hurt on the roof 10:50 - They let their 100-pound dog out; they decided just to do exterior shots and leave 11:50 – Lessons 12:10 - Protect yourself and your staff. Photo/video isn’t worth your safety 12:30 – Another CSIRE story 12:35 - Dower Law: When you get married, your spouse owns an interest in your property 13:20 - You can’t buy or sell a property without your spouse’s signature in some states 13:40 - He had a client who said his wife was going to show up to sign off on something; when she shows up, they start getting into an argument 13:55 - She said she wasn’t going to sign, they went back and forth; she brought legal documents, too, and asked him to sign hers and she would sign his 15:00 - Brent didn’t ask and didn’t want to know what her documents were all about 15:10 – Lessons 15:15 - It’s awkward to be in the middle of a couple fighting 15:40 - Don’t get in the middle of a couple’s fight and don’t be nosey 16:30 - Maybe your dog could protect you when you’re out and about 17:00 – How to reach Brent: the PM Title website; they are connectors, happy to help, and go above and beyond  3 Key Points Leverage your resources!  Protect yourself. Don’t get in the middle of a spousal fight!