产权保险 (Title Insurance) 简介 （转载）

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当你走在街上，开车到市中心，乘坐火车穿越乡村或飞越加拿大时，你会看到房屋，公寓楼，商场，学校，医院，办公楼，酒店，工业建筑，电厂等基础设施，农业和风力发电场，休闲娱乐场所等等。 每一种类型的财产都具有不同的特征和利益，这些特征和利益随着财产的所有权或“所有权”而来

产权保险有一个共同的核心： 保护您的财产所有权。 当您购买或对某物业有兴趣时，您想要确保这是您的，而且没有其他人拥有或将要对您的所有权进行索赔。 同样，你想知道你的财产的使用和享受将继续，无论是商店，办公室还是你的家。 正如加拿大各地的房地产物业不尽相同，产权保险政策也是如此，以确保您的所有权得到充分保护。

当你买东西的时候，通常你会付钱买你的东西并拥有它。但房地产是有点不同。 当你买房子，你付出你的钱，并收到契约说这个家是你的。 在这样做的时候，你假设卖方实际拥有它，并且有权卖给你。 但是，如果他们不呢？ 如果你是欺诈的受害者呢？ 如果别人声称他们拥有你的财产呢？ 你一生中最大的一笔投资可能面临风险。 这就是为什么所有加拿大人需要产权保险。

产权保险可以保证您免受此类损失。 您的产权保险公司将捍卫您对保单项下的任何有效索赔的权利，并赔偿您的损失。 只要你或你的继承人拥有这个财产，这个覆盖范围仍然存在。 有没有更新担心，并没有进一步的保费付款。

一般来说，产权保险由您的律师在您购买房屋时安排。他或她会向所有权保险公司订购保单，一次性保险费将包含在律师发票的付款部分。 但是，如果您购买房屋时没有购买产权保险，也可以在购买之后购买。 只需联系您的律师，或者，如果您愿意，可以直接联系保险公司。

Title Insurance已经成为加拿大购买房产，抵押贷款中必不可缺的一部分。Title Insurance与我们平时常说的房屋保险时截然不同的概念。一般的房屋保险的是实物，比如房子内部房主的个人财产、电器、家具等等。Title Insurance保险的是关于房子产权上过去或者未来产生的瑕疵。下面举几个常见的Title Insurance保险的项目：


• 城市规划
房子之前经历过一些需要市政局发许可证的装修和扩展工程（比如装修地下室，新建阁楼等）但是房主在施工时没有取得相应的许可证。新的卖家在房产过户后很有可能收到市政局的通知要拆除无证施工建造的所有建筑物。拆除非法施工的工程是很昂贵的，Title Insurance的保险会包括这个费用。


• 非法占用邻居土地
小屋、过道、车库甚至房子本身都有可能占用了一点属于邻居的土地。发生占用的原因往往是前任房主没有仔细查房产的分界线。如果新房主被要求拆除非法占用邻居土地的建筑物，Title Insurance的保险会包括这个费用。


• 欺诈和伪造文件

欺诈和伪造文件在房地产交易中是屡见不鲜的。例如有人伪造房主的签名抵押房产去银行贷款。这种骗局被发现后想解决是费时间、精力和金钱的，Title Insurance的保险会包括为受害者付律师费以证明产权所属和房主是骗局的受害者。

Title Insurance 的价格根据房价而浮动。安省低于50万的房子，保险费大约在$250-$350 之间。一百万以下房子，保险费一般不超过$1000. 主要的Title Insurance 保险公司有FCT, Title Plus, Stewart. 另外，Title Insurance分为房主和债主两种，在过户前交一次保险费会终身保护房主或者债主，直到房屋产权再次改变。

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6卧室以上 独栋 适合长短出租 5000尺土地 2000年之后

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  • 119 Panton Landing NW in Calgary: Panorama Hills Detached for sale : MLS®# A2273730

    119 Panton Landing NW Panorama Hills Calgary T3K 0W4
    Main Photo: 119 Panton Landing NW in Calgary: Panorama Hills Detached for sale : MLS®# A2273730

    119 Panton Landing NW Calgary T3K 0W4 Panorama Hills

    $1,199,900
    Residential
    Status:
    Active
    MLS® Num:
    A2273730
    Bedrooms:
    6
    Bathrooms:
    5
    Floor Area:
    3,024 sq. ft.
    Welcome to this fully upgraded 4+2 bedroom estate home, offering over 4,300 SF of luxurious living space in the highly sought-after community of Panorama Hills NW. Situated on a quiet cul-de-sac and almost backing onto a beautiful ravine, this home provides exceptional living, privacy, and unmatched convenience. The main level boasts an impressive open-to-above foyer with 2-storey ceilings, leading into a bright and spacious layout that includes Formal living room and family room, Dining room plus breakfast nook , office/den , Full 4-piece bathroom , 100-gallon built-in fish tank — a striking architectural feature , Sunroom/solarium filled with natural light, ( Sunroom built with City Of Calgary Approval permit attached in Supplements. Upgraded chef’s kitchen with granite/quartz counters (2022), gas stove + new smart electric stove, Fully equipped spice kitchen, Extra-wide 4 ft. Staircases for comfort and accessibility. The upper floor features Two MASTER bedrooms, each with a private ensuite, Bonus room AND Two additional generous size bedrooms, Perfect for large families or multi-generational living. The professionally developed basement includes two bedrooms SUITE (Illegal) with separate walk-up entrance. Kitchen, living room and full bath. Owner’s private rec room, bar & theatre area (separate from the suite). Ideal for rental income, extended family, or guests. Other Features Parking: Extra-wide driveway and EV charger station. The house on Quiet cul-de-sac, steps to parks, ponds & pathways. Energy Efficient 25 solar panels , Exceptionally low electricity costs plus AIR CONDITION. Upgrades in 2024 new roof, new siding, new LVT flooring, Maintenance Free composite deck & fence, motorized blinds, smart switches. More details
    Listed by Century 21 Bravo Realty
    LISTING DETAILS
    HUI ZHAO
    zhaohuihouse 微信号
    • zhaohuihouse 微信号

  • 32 Redstone Court NE in Calgary: Redstone Detached for sale : MLS®# A2272832

    32 Redstone Court NE Redstone Calgary T3N 0J4
    Main Photo: 32 Redstone Court NE in Calgary: Redstone Detached for sale : MLS®# A2272832

    32 Redstone Court NE Calgary T3N 0J4 Redstone

    $949,900
    Residential
    Status:
    Active
    MLS® Num:
    A2272832
    Bedrooms:
    6
    Bathrooms:
    4
    Floor Area:
    2,460 sq. ft.
    A Rare Opportunity on One of Redstone’s Largest Pie-Shaped Lots! This fully renovated detached home offers over 2,450 SQFT. of thoughtfully designed living space, with a front-attached garage, rear street access, ample street parking, and City-approved commercial parking—ideal for home-based businesses or extra vehicles. Inside, you’re welcomed by a spacious foyer, a custom feature wall, home office, and mudroom. The main kitchen boasts granite countertops, high-end finishes, and opens to a large living room with a gas fireplace and feature wall. A separate spice kitchen with its own pantry adds convenience. Upstairs, enjoy a bright bonus room, a luxurious primary suite with a 5-piece ensuite and custom walk-in closet, plus three additional bedrooms, a full bath with standing shower, and upstairs laundry. The fully finished basement suite (illegal) with separate side entrance includes two generous bedrooms, a modern kitchen with pantry, a full bathroom, and stacked laundry. Set on one of the largest lots in the community with unique dual access and commercial-use potential, this home is truly a rare opportunity in Redstone. Don’t miss your chance to own this exceptional property! More details
    Listed by RE/MAX House of Real Estate
    LISTING DETAILS
    HUI ZHAO
    zhaohuihouse 微信号
    • zhaohuihouse 微信号

  • 91 Panatella Close NW in Calgary: Panorama Hills Detached for sale : MLS®# A2273069

    91 Panatella Close NW Panorama Hills Calgary T3K 6C8
    Main Photo: 91 Panatella Close NW in Calgary: Panorama Hills Detached for sale : MLS®# A2273069

    91 Panatella Close NW Calgary T3K 6C8 Panorama Hills

    $865,000
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    Status:
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    MLS® Num:
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    Bedrooms:
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    Bathrooms:
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    Floor Area:
    2,369 sq. ft.
    LOCATION, LOCATION!! HUGE ESTATE PIE LOT IN MASTER PLANNED (BY GENSTAR) COMMUNITY OF PANORAMA HILLS, BACKING ONTO GREEN SPACE AND ONE LOT AWAY FROM THE NOSE CREEK SYSTEM. This home is a MOST DESIREABLE with 4 BEDROOMS UPSTAIRS, HUGE BONUS ROOM, PLUS DEN ON MAIN FLOOR, RENOVATED IN 2014, AND COMES WITH A FULLY DEVELOPED BASEMENT WITH 2 MORE BEDROOMS AND ANOTHER FULL BATHROOM. Come check out this ESTATE home on a huge pie lot, backing onto pathway system, within WALKING DISTANCE TO 3 PUBLIC (and 3 CATHOLIC SCHOOLS) - Buffalo Run Elementary, Nichola Goddard Middle School, and North Trail High School. Quick access to the RING ROAD, shopping and Services located within a short walking distance as well, THIS HOME HAS EVERYTHING YOU COULD WISH FOR, AND EVEN MORE!! This neighborhood is well known for its private pathway and ravine systems, lush green areas, public parks, and proximity to SUPERSTORE, LANDMARK THEATRES, BANKS, RESTAURANTS, THE BEACON HILL COSTCO OR CROSS IRON MILLS MALL IN BALZAC. This is a RARE opportunity to BUY A UNIQUE HOME IN THE AREA. More details
    Listed by RE/MAX Complete Realty
    LISTING DETAILS
    HUI ZHAO
    zhaohuihouse 微信号
    • zhaohuihouse 微信号

  • 139 Sherwood Hill NW in Calgary: Sherwood Detached for sale : MLS®# A2262436

    139 Sherwood Hill NW Sherwood Calgary T3R 1P8
    Main Photo: 139 Sherwood Hill NW in Calgary: Sherwood Detached for sale : MLS®# A2262436

    139 Sherwood Hill NW Calgary T3R 1P8 Sherwood

    $933,000
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    Status:
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    MLS® Num:
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    Bedrooms:
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    Bathrooms:
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    Floor Area:
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    Welcome to this spacious and versatile family home featuring a desirable walk-out basement, rare triple attached garage, and energy-efficient solar panels — perfectly located on a quiet street in the sought-after community of Sherwood. Offering over 3,200 sq ft of total living space, this beautifully maintained 2-storey is ideal for large or multi-generational families, combining comfort, functionality, and long-term savings. From the moment you arrive, you’ll appreciate the charming curb appeal, oversized driveway, and inviting stone-accented exterior. Inside, the bright and functional main floor showcases rich hardwood floors, a grand foyer, a front flex room — ideal for a home office — and an open-concept living area anchored by a cozy gas fireplace. The well-appointed kitchen features maple cabinetry, granite countertops, stainless steel appliances, a corner pantry, and a spacious dining area that opens onto a large upper balcony — perfect for outdoor dining and entertaining. A convenient main floor laundry room completes this level. Upstairs, a generous bonus room with vaulted ceilings and oversized windows provides a great space for movie nights or a playroom. The upper level offers four bedrooms, including a spacious primary suite with peaceful views, a spa-inspired ensuite with dual sinks, soaker tub, separate shower, and walk-in closet, plus a full bathroom for the secondary bedrooms. The fully finished walk-out basement expands your living space with stylish laminate flooring, a large recreation room with built-in dry bar, one bedroom, a flex room, and a full bathroom. The walk-out leads to a covered patio and a fully fenced backyard with raised garden beds — perfect for kids, pets, and gardeners alike. Additional highlights include updated lighting, ample storage, and a thoughtful focus on energy efficiency with solar panels helping to reduce utility costs. Enjoy easy access to parks, scenic pathways, schools, shopping at Beacon Hill and Sage Hill, plus quick routes to Stoney trail and other major roadways to downtown, airport and beyond. Don’t miss this opportunity to own a fully finished six-bedroom-equivalent walk-out home with triple garage in one of NW Calgary’s most desirable family communities! More details
    Listed by Charles
    LISTING DETAILS
    HUI ZHAO
    zhaohuihouse 微信号
    • zhaohuihouse 微信号

  • 4504 70 Street NW in Calgary: Bowness Detached for sale : MLS®# A2270830

    4504 70 Street NW Bowness Calgary T3B 2K6
    Main Photo: 4504 70 Street NW in Calgary: Bowness Detached for sale : MLS®# A2270830

    4504 70 Street NW Calgary T3B 2K6 Bowness

    $1,150,000
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    This exceptional custom-built single-family home offers nearly 2,500 sq. ft. of above-grade living space on a beautifully maintained corner lot. Thoughtfully designed for comfort, flexibility, and multi-generational living, this one-of-a-kind property features 7 bedrooms, 6 bathrooms, including a legal one-bedroom suite with a separate entrance for added income or extended family. The main level welcomes you with a spacious foyer which opens up to a large bright living area, country kitchen complete with a walk-in pantry abundance of counter space and cabinetry, hardwood flooring, and direct access to a full-width screened sunroom and open-air deck—ideal for outdoor dining and relaxation. A convenient main-floor laundry room adds everyday practicality. The main-floor primary bedroom includes a 3-piece ensuite and walk-in closet, while a separate den with an attached 2-piece bath offers excellent flexibility as a home office or potentially an additional bedroom. Lovely curb appeal is enhanced by a charming front patio. Upstairs, you'll find an open plan bright office and reading nook that overlook the property. The spacious upper-level primary suite features a 4-piece ensuite, walk-in closet, and private access to the upper deck. Three additional generous bedrooms and a main bath complete this versatile second floor. The lower level is designed for functionality and opportunity, offering a legal one-bedroom suite plus an additional bedroom, 4-piece bath, rec room with bar area, and access to the expansive patio and backyard. A second laundry area ensures convenience for both the main home and suite. Mechanical features include two high-efficiency furnaces and hot water on demand for year-round comfort. The outdoor space is a true highlight, featuring a large backyard, raised garden beds, a powered greenhouse, and a cozy fire pit area. The oversized, heated triple garage offers 220 power, over-height ceilings, and even a full basement underneath for future development—ideal for hobbyists or those needing extra storage or workspace. Two additional parking pads for an R.V. and or vehicles. Located close to transit, shopping, parks, playgrounds, and schools, this remarkable property provides space, versatility, and value rarely found in one home. A perfect fit for large families, blended families, or multi-generational living. More details
    Listed by Greater Calgary Real Estate
    LISTING DETAILS
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    zhaohuihouse 微信号
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  • 40 Martha's Meadow Place NE in Calgary: Martindale Detached for sale : MLS®# A2268242

    40 Martha's Meadow Place NE Martindale Calgary T3J 4H6
    Main Photo: 40 Martha's Meadow Place NE in Calgary: Martindale Detached for sale : MLS®# A2268242

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    $779,900
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    Status:
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    Bedrooms:
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    Floor Area:
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    Welcome to 40 Martha’s Meadow Place NE — a beautifully updated and spacious 2-storey home tucked away on a quiet cul-de-sac in the heart of Martindale. This impressive property offers 2,335 sq.ft. RMS above grade plus a 924 sq.ft. finished basement, for a total of 3,259 sq.ft. of developed living space. Situated on a 49.70 ft × 108.23 ft lot, this home showcases pride of ownership, thoughtful upgrades, and numerous recent renovations throughout. The home has also been fully repaired from recent hail damage, ensuring peace of mind for the next homeowner. The main floor features a bright, open-concept layout with a welcoming living area, formal dining space, and a modern kitchen complete with a water filtration system at the main sink. Upstairs includes a spacious primary bedroom with ensuite, two additional bedrooms, a full bathroom, and a large bonus room ideal for family gatherings or a home office. The basement includes a separate side entrance and rough-ins for an illegal suite, offering flexibility for future development (subject to city approval). Outside, the property features an extended concrete driveway (within legal limits), concrete patio in the backyard, and garden space on both sides. The back lane is paved, and there’s a storage shed for extra convenience. The heated double attached garage includes an electric heater, perfect for Calgary winters. Located close to schools, parks, shopping, and transit, this home is ideal for families seeking space, comfort, and a move-in-ready property in a desirable neighbourhood. A beautifully renovated and well-maintained home in one of NE Calgary’s most sought-after communities. Contact us today to schedule your private showing! More details
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    LISTING DETAILS
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    zhaohuihouse 微信号
    • zhaohuihouse 微信号
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