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The Strength of our Underwriter - blog post image

The Strength of our Underwriter

You need to know the title insurance underwriter issuing your policy has the financial strength to be there for you no matter what the market is doing. That’s why we use Stewart Title Guaranty Company as our underwriter. Whether times are good or bad, you can depend upon the security provided by their policies.

Making the right Financial Decisions

Since 1893, Stewart has cultivated a conservative style of management in order to promote financial strength within the company. That conservatism has served them well throughout the turmoil faced within the real estate industry over the past few years, as Stewart has maintained the financial strength necessary to meet customers’ needs even as other underwriters have failed and gone out of business. 

Fiscal Strength at both the Underwriter and Consolidated company levels 

At the end of 2010, Stewart Title Guaranty Company had the third-largest surplus in the industry with a very good surplus-to-reserves ratio of 75.6% – the second highest in the industry.(1) Furthermore, Stewart’s premiums-to-surplus ratio is 3.2x (meaning their premiums written are 3.2 times the size of their surplus). In this case, the lower the ratio the better, and Stewart’s is one of the lowest in the industry and well below the 6.0 ratio seen by industry analysts as safe.

Industry ratings agencies also see strength in Stewart

 At the end of 2010, Stewart Title Guaranty Company had the third-largest surplus in the industry with a very good surplus-to-reserves ratio of 75.6% – the second highest in the industry.(1) Furthermore, Stewart’s premiums-to-surplus ratio is 3.2x (meaning their premiums written are 3.2 times the size of their surplus). In this case, the lower the ratio the better, and Stewart’s is one of the lowest in the industry and well below the 6.0 ratio seen by industry analysts as safe. 

Feel Secure with a Stewart policy

Put everything together and it all adds up to one thing – peace of mind. The peace of mind you get knowing that should you ever have to use your title insurance policy, you can feel secure that we have chosen the right underwriter to protect your investment. 

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