211 - Chased off Church Property, Brent Saunders

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.


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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!