6 Questions You Should Ask About Your Title Insurance

6 Questions You Should Ask About Your Title Insurance

When the ownership of a property is transferred to a new person after a purchase, title insurance is what protects that buyer (and the mortgage lender) from any problems with the title. If a dispute about the title arises, it is the insurance company’s responsibility to pay certain legal damages (depending on which policy you have).

To issue title insurance, the title company has to do their research through the property records to confirm there are no unpaid taxes, undisclosed heirs, legal actions pending, fraud, errors, or any other problems. The title has to be clean. This way the title company can verify that the seller truly owns the property and can sell it.

After this, the title company works with an underwriting company in order to issue a policy that will defend you if someone decides to challenge the title. If you lose, your equity will be compensated. Homeowners usually need two separate title insurance policies so that both the owner and the lender are protected.

Here are a few questions you will want to ask about title insurance:

1. Are the prices regulated?

In most states, title insurance prices are regulated so you won’t find much of a difference when comparing them. However, comparing the quality of the title search and the quality of the insurance is recommended since these can vary greatly.


Always be sure to ask about the complete transaction price as well because courier fees or wire transfer fees in addition to the regulated costs can add up after awhile.


If you happen to be in an area where title insurance costs are not regulated, you should shop around for a bit and compare costs because they can vary by 10 and 20% (sometimes more). If you don’t know if you are in a cost-regulated area or not, you can always ask your lender or the state insurance department.

2. How much coverage do you need?

Title insurance policies for owners will normally protect them from fraud, forgery, spousal claims, and undisclosed heirs. Adding more coverage will increase the cost, but sometimes lenders will require extra coverage.

3. Who pays for the title insurance?

The one responsible for purchasing both the owner’s and lender’s policies will vary depending on the state or county you are in. Sometimes the buyer will pay for one policy and the seller will pay for the other, but the cost is negotiable, and the buyer can always go back and forth with the seller about some or all of the cost until an agreement is reached. However, if both policies are bought from the same company this is usually a significant discount.

4. Does the seller want to push a certain company?

If you are the one paying for the title insurance, then you get the right to decide which company it is from. If you aren’t paying, but choosing the company is important to you, expect to share a portion of the cost. Don’t immediately agree to go with the title company that the seller wants either. A title search is intended to discover any errors before the home purchase, so to get the best results it is better to choose a title company that is different from the one the seller has used in the past. This way, with no previous records to go off of, the new title company will be thorough and discover any problems that need to be fixed before you buy the home.

5. Who do I trust?

If you have to choose between the advice of your real estate agent, the seller, or the mortgage lender, go with your lender. Your mortgage lender is just as interested in making sure this part of the process is done well, because they are trusting that the property that is going to be used as collateral on the loan is legally yours.

6. How much reassurance is needed?

If you want to confirm that your bank and/or insurance company is financially strong, you can look up their ratings from companies who research the financial soundness of other companies. You can also look up the title company and underwriting company online to see if their previous customers have been pleased with their services.

Published
Categorized as Insurance

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  62. Finally, without a word, Jen slipped off her panties and pulled her knees up to her chest as she sat there looking up at me. Taking her cue, I pulled down my boxers and stepped out of them to stand before her, completely naked. “Okay, ” she said. “How do we do this?” “The easiest way is if you get on your hands and knees.” Jen moved to roll over but stopped and looked back at me. “Do you think we could turn the light off?” she asked. I shook my head. “I like to see what I’m doing,” I replied. “Fine.” I expected her to put up more of a fight, but to my…
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  64. He lay on top of her and used his hand to guide himself between her pink lips. Tegan felt his tip probing around for a second until it found her opening and moaned as it slid inside. She was still on edge from her earlier impromptu session with Trevor and her muscles gripped eagerly at the new visitor as he sank inside her warmth. She arched her back and lifted her hips to meet him as their groins met, biting her lip with an impish grin as Brandon loomed over her, supporting himself on his arms and taking a moment to adjust to the feeling. When he was ready he returned the smile then began to…
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  65. My wife is a saint but has gotten to be boring as hell in bed. As much of this plays out in my head I was fucking her a litle earlier and was so unimpressed I could not even cum (wich is the true part). As this story is about me trying to get one of my best friends cock in my mouth I will spare you the boring ass details of our 2 min romp before she got tired and went off to bed. I have to protect my home, family and marraige so just to be safe I will switch names and things of that nature. My friend we will call Fred is about 6-7 years my juinor. He is a homebody to say the least, a…
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  66. Debra was somewhat shocked to find that she was happy to have him back at school. The dorms were under renovation, but, of course, the university had failed to account for returning athletes, leaving a good number of them with no place to stay. Debra thought nothing of immediately offering Tracey her off campus apartment as temporary lodging. Tracey moved his bags and books into her apartment. They celebrated his return to school with a nice dinner, and too much alcohol. Debra fell asleep on the couch, resting her head on Tracey’s shoulder. Tracey, surprised at the intimate contact, put…
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  67. ” He then reached into my wife’s mouth and pulled out her wet soaked panties and placed them under her ass. He then held the mic close to her mouth. Tamara in a shy low voice started to speak but he interrupted her. “LOUDER! They can’t hear you.”So, Tamara spoke out louder. “My body is here for everyone to use me for their pleasure.” And before she could say another word, he pulled the mic away from her and spoke into it once again. “Let it be said. Now give this slut what she wants.” He got off the floor and within seconds guys and girls gather around her and started to touch her body…
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  68. Her absence is felt.We had a rather silent dinner, the absence of dear Louisa weighing upon us, and we missed the liveliness and wit for which she was distinguished. After coffee we sat down to a quiet game of whist, previous to which Fred had seized the opportunity of our going together to the terrace to tell me that his father had whispered to Sophie that he should sleep with her that night, as Mamma wished to give up the whole night to her page. Papa had also desired Sophie to request Fred to join them.This, of course, at once excited a desire on my part to join dear Mamma. So during…
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  69. Sean was sitting there completely naked. His chest and biceps quivering as he stroked his cock. What a sight he made. She remembered changing this man’s diapers when he was a baby. She still could remember that night when his aunt and her had made love on the living room floor and when his aunt had her orgasm and bent her head back seen Sean sitting on the steps… Well, now the roles were reversed. Sarah and his Aunt never made love while he was there; they always went elsewhere for their trysts.Sarah watched as Sean was really working his cock. The girls on the TV were getting ready to fake…
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  70. She has also made it clear she wants some loving time with you!” Mike relayed some events of the night “Oh hell yeah! That’s fucking awesome! Mike! She actually got you down her throat! Wow! You go girl.” I’m going to have a problem. I can’t get to my clothes. What I’m wearing is wet.” Ruth stated “No biggie, you get inside go right to the washer and strip Mike and I go naked all the time. I’ll even strip with you.” Carol explained. Mike went on giving highlights of the night. He told her about what had been decided for teaching and helping Ruth, Sam, and possibly Tonya. “baby we…
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  71. Naturally, the action on the screen is pretty intense, even IF male oriented, and we both put ourselves into scenes that we are watching together. This began to lead me into even more naughty fantasies that I would whisper into her ear while we played.Our favorite video subject is of two guys or maybe even three touching, fondling and pleasuring a willing girl.It was a little scary at first talking about my fantasies because I didn’t want to put her off listening to her husband’s dirty mind and fantasies.I eventually began to subtly ‘suggest’ another partner in a sexual encounter. At…
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  72. so where are we going to sleep?” “how about your moms no offence babe but she looks a bit lonely and i think having us over for the night could be good for her” “i guess your right babe and i noticed she looked a bit lonely too babe” so me and harvey got dressed and harvey drove us over to his moms house and we said “do you mind us stay over this night” bella smiled and said “not at all boys come on in want some coffee” i said “yes please” and we had a long chat and went to sleep…
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  73. They laid next to one another holding hands. Danny thought that it may be his lucky night. This was his first night with Kate alone in his new apartment. He just moved in three weeks ago. He started work six months ago, after a small course at his uncles firm where they make computer software. He was looking forward for having sex with Kate, she walked around in her hot pants and tank top with no bra from the time she came out of the bathroom where she changed from her school uniform when he came home. She told her parents that she’s going to sleep over by a girlfriend and do a combined…
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  74. I work in the hospitality industry in a split level office. On the first floor are 5 coworkers along with myself. Up a few stairs on the second level is a very attractice woman named Jessica who represents our company headquarters in a regional capacity. Throughout the course of just about every normal day of the years I pass through Jessica’s section of the office and we usually talk, joke around. While I have always checked her out in the safest way I possibly could, I know that she’s noticed it and was uncomfortable. In some cases she would even protect herself with hands on her neck to…
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  76. ..” I grunted as I thrust, ” let me have what I want, everything will be fine. Now let’s break you in.” With another grunt I finally bottom out in her, the friction burning in the walls of her shocked cunt, spreading her wide with what feels to her like an unbelievable girth as she feels my balls resting against her ass. Terrified and still too stunned to speak, she whimpers. The hand over her mouth retreats, slapping her hard on the ass, and then commanded, ” Now, just do as I say and everything will be fine. Milk me. Come on, squeeze me with that tight, sweet small cunt. I want to feel…
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  77. Nadler’s office wishing for the life of her that she was any place but there!!! Momentarily lost in thought, she jumped a little when the doctor’s nurse burst into the room and offered, “You must be Nicki, I’m Meg Kean, and I’m Dr. Nadler’s nurse, so, what can we do for you today, Nicki!?!” Nicki was a little taken aback at Meg Kean’s enthusiasm, but after finally regaining her bearings she replied softly, “Well, uh, it’s a female problem!!!” “I see,” the nurse replied while getting out her pen to make notes on Nicki’s chart, “and what exactly are your symptoms!?!” Nicki turned a bright shade…
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  78. my Master’s name is Dark Hunter. i am allowed to call Him Dark Hunter, Sir or Master. i was instructed to write this out by my Master and share it with the world. i am to write out: a) The nature of my relationship with Dark Hunterb) Why i am the slave of Dark Hunterc) What i hope to gain from this relationshipand d) What i learn from training sessions with Dark Hunter, citing specific examples a) i am the live-in, full-time female slave of the Perfect Man Dark Hunter. i keep Him happy in all ways and He keeps me in line. i serve Him. He trains me. i learn to be a better…
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  79. I put my surreal weekend out of my mind and spent the rest of the week just working and did my best to avoid both women, when the weekend came round again I busied myself cleaning and decided to stay inside. I sat on my couch with a coffee when I heard a light knocking on my door. I opened it to Clarissa, the tall redhead that lived on the floor above me. She was another of the 5 I’d classed as ‘OMG hot’ in my head, tall, slim, amazing tits and a very pretty face, like the other 4 she too wouldn’t look twice at me.”I uh, didn’t have anything broken or anything so I didn’t know what to say…
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  80. He must have been over eighty years old. His hair was just turning white and he walked slowly.”These things have been so popular I have to keep them locked up. People steal the craziest things,” he said and walked toward a cabinet behind the counter. “Funny thing is they are no good without the programming unit. Unfortunately,” he came back with a small package, “that is almost the limit of my knowledge of them. The missus and I have gone through all of that a long time ago, the old fashion way.”Cynthia giggled. “I don’t intend to forgo that opportunity if it comes but this will…
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  81. He began to slowly run the head of the soft, latex cock around her ass hole and tease her with it. Judy was able to gain just a little leverage with her toes on the floor and managed to swing back onto the very tip of doubly frustrated by not being able to do it herself. Sid replaced the dildo again with his fingers into her butt He pushed deeper and lengthened the strokes into her body. When he felt her begin to loosen up even more, he slid his finger back out and pushed four fingers back into her anus. She groaned loudly as he stretched her tiny asshole further with his fat fingers….
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  82. My head pounding made it even more obvious. At least I didn’t have to work. A day for sleeping before I drag myself to the office.Then it hit me I wasn’t laying in bed alone. The warm breath on my neck and the placement of a hand on my arse. I was defiantly naked. I moved and the hand moved with me. I swallowed I needed water. I moved gently so that a) the pounding didn’t get worse and b) not to wake who ever was in my bed asleep. My bedroom was strewn with clothes, shoes, sheets and pillow.Apparently rough frantic love was made. I staggered through to what should be my kitchen. I…
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  83. It wasn’t the way she wanted to spend her Saturday night but frankly she wasn’t about to go anywhere or do anything out in this weather—rain could be heard all throughout the dorm hall and unlike every other night that was filled with bumping bass from the neighboring dorms, and laughing and running down the hallway, it was quieter than usual. Everyone was either already in bed or they were preparing to go. Lucky them. With Chemistry homework due for her afternoon class, she had to get it all done and there wouldn’t be any sleeping for her. At least not for now. She’d have to deal with that…
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  84. .I can’t believe I’m writing this. I’ve started to many times, but I think how much of a weirdo I must sound like. Then I saw a video on a porn site and watched other girls doing it too. The one video stuck with me as the girl looked like me, only older. I watched it over and over as it got me hot watching it. I wished it was me doing the hot flashing to a guy with a camera on a public bus. It never showed his face but I could tell by her looks she was turning this guy on. ….Turning a guy on by flashing him was my obsession. Not a quick flash, but a sneaked peeking shot of my tits or…
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  85. She slid the head of the dildo into the entrance of her wet hole and pushed slowly, moaning as it slid deep into her. As she eased her panty crotch back into place she felt so very full. She stood cautiously and walked back to the sinks, unnaturally, with a stiff gait. Determined to keep the toy inside her for her boss, she walked up and down along the bank of sinks. When she felt more comfortable, with the long thick dildo held inside her, she stood looking at the entrance and after counting to ten and taking deep breaths, she moved to the door. The office was light and open compared to the…
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  86. )I feel a little guilty for not giving you the full story, in the last chapter, of the details of my fuck with Laura in front of our house, so I’ll get rid of my guilt by telling you the whole story.I had told you that I had taken off my boxers and Laura had taken off her panties but she had a miniskirt on, and I had shorts on, and we went out in front of the house in the moonlight, and proceeded to fuck in the street standing up in front of the house, and that’s what happened. And then I said that the kids caught us and ran out of the house and gave us a big thumbs up. They knew what…
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  87. Eric come bring in the groceries for me, please. Eric came in and behind him were two new boys she had never seen, mom this is Mike and loots.Hi guys. He now has black friends she thought?”Hi Mrs M how are you”?”Fine thank you, Eric get the stuff out of the trunk for me”. “Ok” and off the three of them went. Wow they had a strange smell on them, oh well probably there cologne. After all the packages were put away she looked around, the three boys had gone back to the porch. She had jeans and a new top she wanted to try on and she wanted to see how they looked. She headed out to…
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  88. My intent was to eat that smooth young pussy. She grabbed my head stopping my descent, “i’m wet”, she whispered. She obviously just needed some dick and I was more than happy to oblige. Moving up and hovering over her slight body I grabbed my tool and wiggled it up and down her slit to coat my head. She was extremely wet, more slimy than wet, as there was no doubt she was ovulating. Rocking my hips my head slipped right in before hitting resistance. She grunted while I continued to push inside of her,”easy dad …. dy”, she said in a strained whisper. I spread my legs a little…
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  89. Each step she took towards the club brought her closer to sweet release, and it was hard to keep herself from pushing through the crowd, sprinting down towards the alleyway she was headed for. In her pocket, her trembling fingers tightly gripped the small brass key she’d been sent. Hot wetness trickled down her bare inner thighs, and she wondered what would await her. Really, she had no idea. The note had been vague, only letting her know that her wish to have her tits abused would be fulfilled, and not to worry about any mess she might make with her milk. It had made no demands as to how she…
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  90. Deirdre starts to do the same. Within mere minutes they are both naked and feeling each other’s bodies. Samantha can feel the heat rising from pussy and spreading through her body.Deirdre becomes more excited and wet. Her pussy is burning with desire and it consumes her with need and passion. Her hands slide all over Samantha’s body, touching and feeling her. Deirdre leans down and takes Samantha’s breasts into her hands, teasing her nipples through the material. Samantha moans in pleasure then steps away from Deirdre. She starts to remove her clothes and Deirdre stands up and does the…
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  91. her body was sore, faint bruises already forming where the wolf had wrapped it legs around her narrow hips.It was the soft whine of one of the two remaining wolves that brought her attention him. he was standing not that far from her head digging at the ground in front of him. he was already hard, she could see his massive wolf cock hanging from his sheath. he was larger than the other two had been, and clearly in need.”Oh you poor baby.” She made a soft cooing noise to go along with her words and rolled over so that she could crawl across the ground toward him, keeping her head lower…
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  92. Pooling desire begins to ease itself from my pussy. His tongue reaches out to taste one small drop. Easing gently, he slides it along the curls of my bush, lapping at my skin. Heat and fire started to build in me with each touch of my sexy and loving husband. Running my fingers into his hair, I press myself closer to his seeking mouth. Each stroke continues to slide across me. Finally, he moves his hand to part the wet lips of my sex door, my pussy lips.Looking into my eyes, he moves his tongue between my folds. Sounds of his loving reach my ears. Shifting my ass to accommodate his need,…
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  93. Stories may contain strong or even extreme sexual content. All people and events depicted are fictional and any resemblance to persons living or dead is purely coincidental. Actions, situations, and responses are fictional ONLY and should not be attempted in real life.If you are under the age or 18 or do not understand the difference between fantasy and reality or if you reside in any state, province, nation, or tribal territory that prohibits the reading of acts depicted in these stories, please stop reading immediately and move to somewhere that exists in the twenty-first century…
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  94. There were several more emails from women who offered to meet for coffee or a quiet dinner, but none of the others included nude photos. I confess, my self-esteem soared thinking of all these women lusting after me. My active imagination began displaying scenario after scenario of me allowing them to seduce me into their beds and leaving them breathless from our vigorous, repeated fuck sessions. My daydreams were interrupted by the buzzing of my phone. I flipped it over to see Sandra was calling. Confused, I answered, “Hello?”She giggled into the phone, “Hey you. Miss me yet?”I…
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  95. I could hear myself moaning. Nathan’s fingers found my pussy.”This girl is more than ready,” Nathan said, stirring his fingers inside me. “I think it’s time to adjourn to the bedroom.”They each took one of my hands and I led them down the hall and into the bedroom.”I think you should undress us,” Royal said. “Go ahead, have fun with it.”I began by unbuttoning his shirt. When I was finished I pulled his shirt out of his pants and ran my hands over his chest and sides. He was so solid. I licked his nipples and drew in the familiar scent of his cologne. I pulled the shirt down his…
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  96. “”Would you like to come back to my house, I have a bunch of photos of Alaska in the winter, I think you would really enjoy seeing them.” she smiled. “Yea, that sounds great! It will be nice to see what a furnished base housing looks like.” We shared a laugh. “I remember what that was like.” she said. I was pleasantly surprised when she turned onto the road I lived on, and then turned into a driveway four houses down. “I live four houses down from you!” I said. “Wow really?” “Yep”. She unlocked the front door, and we stepped into her living room. I sat down on the couch,…
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  97. “Ummm, Virginia, what are you doing?” I asked”Making you feel good, Emory” She replied, and continued on to grind against me.”I don’t think that is a good idea.” I told her”And why is that?””Because you are 18 and a virgin!” I replied”Hmmmm, but what if I don’t want to be a virgin anymore” “Why me? You will probably never see me again after I drop you off.” I told her, with a concerned tone in my voice.”Well, that is a chance I am going to have to take.” She ground her ass harder into me. “Besides, it seems like that someone is enjoying this” She said, in a playful…
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  98. He allowed to to happen, embracing her courtesy by tightening his grip.”So very willing, and ravishing, you are the man we need. Please, come” she then shifted to begin walking, still allowing his hand to pinch her rear as they walked into town. Soon they passed many in awe, many men with mouth agape as the farmboy strode through the streets as a king. The two eventually found themselves in a bathhouse, a luxury he never had the opportunity to see. Much less the chance to be led by such a striking woman.They continued on towards a door, the house suspiciously quiet. The woman placed her…
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  99. Jamie had a teenage daughter, Melissa, with a girlfriend named Amanda. Amanda ended up spending loads of time at Jamie’s house. Many nights she would stay with over and so would I. Over time we came to “pretend” that Amanda was ‘one of our kids’. We’d call her ours and she took to calling Jamie mom and even lightheartedly calling me dad. Especially if we were out at an amusement park or a water park or some other ‘family’ type activity. Over time Amanda would be at Jamie’s practically all the time. I’d be there sometimes with here alone and one thing led to another and we began an affair….
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  100. He got quite excited when I had put on some sexy undies.” So she had specially changed as I had imagined, but could not carry things through. “What did he do?” “Never mind, but as you are in his lap why not try and see if he will be your uncle for the moment.” No sooner was that said than my hand was grabbed and unceremoniously slid under my burden’s dress. “Tickle me, you naughty boy” My feelings were ambivalent. This could develop into something interesting, but they were not exactly young. Mary had previously become shy, having initially provoked me. Still, in for a penny in for a pound….
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  101. It’s not easy to pick up another guy. I decided to check the singles scene on the Internet. My boy of choice would be a latino teen. I have always been drawn to latinos, for their passion, skin color and uncut cocks.What I found was exactly my dream. I responded to his ad and he wrote back and wanted to visit. At the time, Pablo was a senior in high school, I was in my mid-30’s, a white guy, good shape and living alone. Pablo decided to stop by and check me out.. As he told me later, when he first saw me, he got “wet”, meaning his cock started to leak precum. But it was the next time that we…
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  102. My name is Greg. I want to tell you about what is probobally the most wonderful thing that happened to me during my high school years. It started out as a disaster, but eventally turned into what could only be described as a miracle. We all remember high school, the adrenaline jungle littered with short skirts, tank tops, hip huggers, and those gifts from God that we simply call low-cut tees. At the time, and to this very day, I was fascinated with breasts, and the low-cut shirts were my guardian angel, ensuring that I would indeed survive high school. I would spend entire class periods…
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  103. She jumped out of bed to get ready. Just before putting her dress on she looked at me and asked “are you going to skip today?”A few seconds of thought around what happened yesterday and my excitement of what I do battled around my head. In the end my excitement won. I shot a load into her panties and off she went. That night went almost the same as the previous one except this time Cari told me how his hand didn’t stop at the top of her stockings and went all the way to her cum filled panties, and how he thought she was just wet, not that it was cum. He had also requested that they go sign…
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  108. “Save some for me,” Dannell cut in like a ballroom dancer, grasping my shoulders and pulling me to him. There was no need to lure his tongue in – he probed inside me as if he were trying to touch the back my throat with his tongue. Breathtaking!”So, not to be unromantic, but I do need some practice here.” And I reached down to press my hand against his crotch, I could feel his girth burgeoning at my touch and it made me feel deliciously sissy as my clitty started to stiffen a little. I kneeled before him and reached for the zipper and pulled it down, reaching inside to feel his heft and…
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  109. “Perhaps fifteen minutes later the pair saw Malcolm walk in with a several of his friends. This was something Carol hadn’t expected, but admitted that she was certainly excited to see him. She didn’t know any of the other men though, and neither did Susan. They knew, however, that none of them were from the hospital staff.The four men came over and joined the women at the table and sat down. Malcolm introduced Antwan, Duane, and D’shawn. He explained that they were all members of his basketball team in the city’s adult recreation league. Providing introductions, Malcolm explained that…
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  110. It was always a wonderful feeling for him to make Jennifer the center of his world. He placed his hands under her smooth knees, in back of her thighs and lifted her legs so they were almost hanging in space. This movement brought her beautiful vagina into view, and only a few inches lower was her little butt hole, which was winking at him invitingly.He first licked slowly from her winking little hole, up to her tight vagina sucking all the way. Then with the daring of an Acapulco cliff diver he dove into her pussy hole, tongue first. Due to the God’s lack of understanding, and…
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  111. He presses a cloth strip into the wax to set and globs more wax into the hairy mess all around her pussy, taint and asshole. Emma moans from the heat of the wax touching her sensitive pussy. This feels nice she thinks just as he grasps the first cloth strip and rips it from above her pussy. The hair is pulled by its roots from her skin in a loud ripping sound. Emma gasps and screams at the top of her lungs in pain. She starts crying knowing there are more strips to pull. He repeats the process with the upper left and right strips leaving her pussy top smooth as a baby’s ass but red. Next is…
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  113. We hugged each other tightly and were taking some rest before starting another fucking game between us.My hand swept across her young boobs, touching so lightly the rounded swell of her boobs. I felt the soft tender skin just above the plunging neckline, my hands sweeping over them, stroking, caressing the supple beauty only a few millimeters from me now, was she. Her face continued to blush, to grow like a ravaging heat, flames of passion that consumed every inch of her delectable body. God! I wanted to taste her again, to feel her face press against mine, lips to lips, tongues dancing,…
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  114. For the most part over the next couple of months they talked back and forth about normal life. Nothing sexual whatsoever. John was happy that he had connected with an old friend and enjoy reminiscing about the old days, and good times and troubles he and his friends got into. That was until one night when he woke up to use the bath room. He saw a message from Colleen which wasn’t anything unusual, that was until he read it. “I bet if you fucked me in school our lives would be so different right now” and of course she sent a picture of herself naked sitting on the floor with a bottle of wine…
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  115. It really accentuated her breasts and they would have a sexy little wiggle with each step she took. She kissed me goodbye and headed out to meet Jim. I spent the next few hours in anticipation of her return.She came home later on in the day and I could tell that she had fun. She said that Jim had taken her around to his fire station in West Chester and given her a tour of the place. She said that there were several other firefighters there when they got there and Jim wasted no time in showing her off to his buddies. They all were very nice to her and according to her, all were very sexy…
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  116. when i came back and pulled the sheet back, she was lying on her side with her legs gaped open……and i saw the thick furry lips hanging between her thin thighs. it wasn’t the first time i’d seen her sex, but this was more than i could take on that day. she’d seemingly teased me all evening long, walking to the shower after stripping in front of me. sitting and watching the tv in the motel with her robe open enough that i could see all of her tits and the thick mound of her pussy. it may have been the beer….well i know it was the beer that made me get up to whizz, but it all…
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  117. He was pretty much the king of our high school. You know, loved by all and has all the talent and is going places. Girls love, and guys want to be part of the party while it lasts. And here I am sitting on the bench, the coach usually puts me in for fakes or to give Malcolm a break. This game, he was on fire so I was riding the pine.I was drinking some water and just felt a wind hit be from behind, just urging me to look behind. So I turned around, and there she was. A tall, long red haired, dark eyes goddess of a woman. She looked like she was in college, which made me wonder why she was…
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  118. “Shut your fucking hole, slut,” he snapped at her, continuing with his rhythmical, painful thrusts.Regret bubbled in Su’s chest, currently covered by a transparent lace bra, at least for now. The man was a friend of her first attempted captor, and much more successful. The first’s attempt gave Su a small feeling of happiness, recalling the loud wail of pain when she sank her teeth into the soft end of his long, thick dick, fingers digging into his balls.It was much more satisfactory than the current situation she was in, and diverted her attention for a small bit of time:She had been…
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  119. i had no one to proof-read it, so i did it myself (it’s a really tiring job), and i know a few errors might have gone unnoticed. I’ve tried to use good English, but then again, some errors might be there. Don’t be a grammar nazi. Bear with me. Most of you will find the first part irrelevant, which is true. It is just an insight into the life of Joseph Nelson. This part is the foundation stone for the rest of the story, which is why it’s important. The next parts’, i hope, will be interesting. The story has been told from Joseph’s perspective. Lastly, do vote and comment what you think. Don’t…
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  120. God I was cute. There was no use denying it.The device came the next day and Mom gave it to me without comment. I took it up to my new room and tried it on. It was very uncomfortable. I decided I couldn’t wear it even to the beauty shop. I put it up on my closet shelf where I could see it from the bed and it, honestly, triggered an erection every time I noticed it for a while. I took the instructions that came with it to the bed and read them. There were all sorts of information about hygiene and adjusting it, which looked a little more promising. But, all in all, it looked pretty…
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  121. She is really cute. So thin, so blonde. With her athletic body and two little tits, always going around the house wearing just a thong. I am a 36 years old woman, and first days I didn’t like this 22 years old waitress, but I need to share my flat bills! She moved here a week ago and this morning she is so happy cause it’s Sunday and she doesn’t work. However, she woke up early as always. I guess she likes I keep on watching her cause it seems she bend on purpose too often, pretending doing something around the house and showing me her cute tonic bottom with the pink string sank inside! I…
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  122. My girlfriend apologized for her itchy vagina being treated for a yeast infection, by doing her best to satisfy me with a few blowjobs every now and then. A few nights ago she danced around in a sexy night gown to really turn me on, played some tonsil hockey with me, then had me jerk off on her tits. All that was great, even if she did wipe it all away right afterwards, but it just couldn’t wait to get my cock back in her pussy where it belonged. Then yesterday we had some fun by joining me in the shower, and was really sexy with the water going down her hair as she bobbed on my man-meat…
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  123. She pushed back and my cock slid inside her pussy and as I stood still for a minute, I motioned slightly with my head to the camera just down the trail from us. The parks were monitored but we were far enough away that no facial recognition would be able to identify us. Aikira turned her head and said fuck me baby, fuck me hard. It wasn’t fully out of her mouth when I began plowing in and out of her. It was like we were one mind, blistering hot public sex in front of a camera. Aikira screamed Fuck and I felt her juices run down her legs. I slammed my cock as hard as I could in and out of her…
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  124. I mouthed, “Thank you.”For two days, my mom and I stayed with my dad. Chris remained by my side—in a real chair he’d somehow convinced the nurse to relinquish as we’d been told they were precious items with only two to a room—when he wasn’t getting us food or coffee or something to read. I grew accustomed to using his shoulder and chest as a pillow. It didn’t hurt that he smelled really nice, or that he lightly caressed my arm or back, helping me drift off.Every time I started to question his presence…his desire to help out a stranger—which I still considered him to be—he’d gently shush…
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  125. You’ve been sat in moping too long since your marriage break up. Look, there’s a band on down the road, let’s go and have a few drinks and take your mind off things”Paul was a good friend Paul and always looking out for me. He was right, I had been feeling sad and lonely for too long but I was 45 years old and had been married since I was 22. It felt like there was nothing to go out for. I had no chance of meeting someone else at my age.”OK, just for a couple of hours then” I said.We went down to the local pub and were having a few drinks and catching up. Then the band came on and…
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  126. I spread my legs and put one foot on top of the bar that went across the front of the desk. It was at least a good foot above the floor so my legs were spread pretty wide. I didn’t care. All I cared about was getting nailed hard to find relief for my aching, throbbing, wet pussy.. I moved my thong to the side of my pussy and begin stroking my clit with my finger. I flicked it back and forth and circled it with the tip of my finger, making my body tremble with the need to cum. I pinched and pulled at it. My pussy was really wet, I felt my juices seeping out again. I stuck my finger inside my…
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  127. I’m Korean but I was adopted by a wonderful white family when I was two. I never knew my parents. From what i’ve been told, they died in a car accident when we first came to America. I wouldn’t have it any other way, they’re the only family I know and I love them. I look like your typical asian kid, I’ve been told I’m very good looking. I have very feminine features when itcomes to body type and other physical features. The most noticable to me is probably my girly butt. I’ve caught a lot of men staring at my ass ever since I was twelve. Being only 5’6″, I wouldn’t think I would…
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  128. It all started on a Thursday night bowling league. I met Amber and Jen while we were starting a new season.We hit if off right away. We began to bowl and Amber and Jen were on the opposing team. We would high five one another in a friendly gesture of sportsmanship.As the weeks went by, the three of us would greet with a quick hug while passing by. During mid season, we hugged a little more and a little tighter. By the end of the year they would both rub those perfect tits in my chest and kiss me on the cheek. I would get an instant hard on.The two girls did not bowl the summer…
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  129. too me its perfect.it all started one day while i thought my wife was at work .i found myself at my wifes underwear drawer looking for a few good pairs . I settled on the bed naked and i started to wrap the panties around my cock. you see i don’t know why but i get off on wonens underwear. so i have about four pairs wrapped around my pulsing member when i hear my wife whisper in my ear ” cumpanty boy cum in my lacy panties , shoot that cum sweetie all over my panties.” i was shocked as you can imagine and i franticly opened my eyes searching for my wife and i saw 3 other women…
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  130. Since meeting you I have used your body as my toy, the ability to do with it as I wish has brought a whole new light to my life. To know your devotion as I take you beyond your limits proves to me your insatiable appetite to gratify my needs. Laying contently at my feet I gaze upon your elegance. Your cock still firm and glistening from the indulgence you showed to my demanding pussy.Even now I can vividly remember the first night I made you mine. The deserted beach our playground, a full moon hung in the sky, warm mist from the sea drifted through the air. A mystical concerto was…
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  131. Her flawless skin felt smooth and silky to his touch, though considerably hotter.He slipped his hand under the night dress and gently caressed her ass. As their lips and tongues continued their onslaught, his hands were running up and down her smooth back and her sensuous ass cheeks. He gently squeezed her ass with his hands and Vaishali responded by kissing him even more aggressively. Vimal trailed his fingers further down her ass crack and found her very wet panty-covered pussy and gently ran his finger over it. Enjoying the wetness on his finger, he rubbed her pussy and pressed on her…
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  132. He had left me tied upright along a public highway, to a high standing tree. With a bag of toys in hand, he moved behind me. Very quickly I could feel him roughly tying a blindfold across my eyes. My world became focused on three things; my aching sex, the darkness, and pleasing my master.I could hear master circling in front of me. He traced his finger around my stomach, and suddenly he pulled off my nipple clamps, one at a time. My gag stopped me from screaming. To add to my humiliation I could hear a car loudly honking its horn as it drove nearer; then the car stopped, and the engine…
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  133. Jane’s Flat, She was standing there waiting for me with her mobile in her hand. It took me about an hour to cover that small distance.I pleaded with another excuse that my parents are here and I have told them that I have met you and they have sent me to invite you personally to visit them for meeting them tomorrow morning. Ms. Jane scolded me for being a voyeur. I again pleaded that I went there to check if you were still awake or have retired. I never wanted to disturb them in case you have retired for the day.I fell on my knees and said ‘Ms. Jane, I love Ms. Lucy very much and will do…
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  134. She gasped as hepulled his cock all the way out of her, and immediately feltits loss. He spun her around roughly, setting her on allfours, then, without mercy, stuck his cock back into hersteamy hole. She came instantly. Cum was running down her thighs like hot, melted butter.Her body was clammy with sweat. She was definitely making upfor all those lost years. Eyes slited, face contorted, she tried to call Hubert.Her mouth gaped as she tried to talk, to scream, but nothingcame out. “I’m right here, my dear.” her Guardian Angel said, hisface inches away from…
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  135. At the beach, if you drove to the end of the rode and walked about a quarter of a mile through the dunes, it was an unofficial nude beach. No one bothered you out there and the park rangers didn’t say anything if there were no complaints and there usually never was. We got a case of beer and gave Bob and Marcia a call to see if they wanted to go with us.Marcia said they were tied up for a bit but would meet us out there. Bob knew the nude beach was out there, but Marcia didn’t and Bob wasn’t going to tell her.When they arrive at the beach, Laney and I had already set up our spot and…
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  136. ……. I couldn’t help think of the man I loved before I married William. I was going to fix him and get married. I sure fixed him I married into Holy Hell. I wonder where he is and if he ever thinks of me? Probably not, but that’s life. Right now, it’s Saturday and I have to deal with this man I married. How could I ever marry someone in June when I had just met him in February? It was wonderful at first, but it always is. I had no intention of marrying him. I’d laugh when he’d say, “I’m going to marry her and turn her into a Georgia peach.” The last laugh is on me and I feel more like…
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  137. She knew there wouldn’t be guests for another week or so which meant the Inn’s world class chef wasn’t on duty either. She slunk downstairs in only a t-shirt and thong to see an incredible spread laid out in the dining room. Her Inn served meals ‘communal style’ which meant meals were at a certain time only and all the guests sat together during meals. It was a great way for guests to have an opportunity to meet someone they might not have met. There was a note from Tony, the owner:”Jenny hun, I had an inkling you and your sexy friends must be famished! I saw how clean the hot tub area was,…
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  138. She seemed to like watching it swing.When I reached her, she grasped my dick and aimed it towards her slit. I felt her sliding it along her wet pussy. She cooed as the tip passed over her clit, and then moved it lower to enter her. Her hands slid along my sides as I entered her. I sank fully into her because she was so wet. When I was fully inside I dropped softly onto her. It was then that I fully realized we were doing this alone, without Rachel there. It was like cheating on my wife, even though she had given her permission. I actually thought about Rachel lying alone on the beach as I…
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  139. Jason went to the head end and trust his large black cock into their faces. “Here bitches, suck my cock!” Richard and Ella stuck out their tongues and began licking at the cock in their faces. Richard felt the unmistakable feel of the head of a giant cock against the entrance of his arse. He realised immediately that even while he was fucking he was still going to get fucked. Billy’s cock soon drilled deep into his arse forcing his own cock deeper into Ella’s cunt. Jason began fucking first Ella’s then Richard’s mouth, thrusting deep into their throats causing them to gag and wheeze. As…
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  140. I stuck my little dick through the hole and was rewarded by a wet mouth sucking at my dick and licking my hairless balls. I had shaved the first few hairs off – later I let the hair get waxed away. The feeling was great but it ended too soon. I pulled my dick back and now there was a big dick shoved through that hole. I knew what it was meant for, so I got down on my knees , touched it first with my hands, pulled back the foreskin and licked the tip kind of shy at first. Hmmmm, the taste was great! I got bolder then and took the head in my mouth. Hmmm, that was really something! Sucking my…
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  141. Eric secretly wanted to fuck her but it was one problem… Asha belonged to Lamar, Eric’s bestfriend, Eric didnt care at some points because he felt Lamar wasn’t treating her right which he knew. One night Asha and Eric’s late night phone calls got more complexed then usual. “Lets play a game” Asha said to Eric “haha sure you go first.” “Ok ummmm are you a virgin still?” Asha would ask “No i’m not are you?” “Yes i am” Asha said. Instantly Eric got hard just by thinking about how good her pussy would feel and tight it would be and how good it would be to pop her cherry. “Thats cool when do you…
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  156. She laid out the rules and some scenarios. “Outer sex only. No kissing and no intercourse with the other man. You can tongue kiss me, and masturbate while another man licks me to multiple orgasms.You can watch and enjoy anything the other man does to pleasure me. You can please me by masturbating while our toyboy pleasures me.If the other man has a really attractive cock, I might suck him to orgasm while you watch. Needs to be much bigger than yours though. Much bigger!Or we can stand naked in front of a wall length mirror. You are behind me teasing my nipples. The other man is on…
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  157. After some over-kill on my butt one of them said,”Would you like to do your front yourself, or would you like us to do it for you?””Would you please?” I replied as I turned over and lay slightly spread eagled for them.They were knelt either side if me, one of them blocking the view of my body from the prudes, not that I would have minded some of the prudes rubbing the cream all over my naked body, and they both managed to complete my arms and legs at the same time, the guy working on my legs had managed to avoid touching my pussy although he had got close a couple of times.All that…
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  158. ” She looked up at me,I looked directly into her eyes as I slid my hands under her ass and firmly grabbed both of her cheeks, pulled her hard against me, and pushed in the final inch and bottomed out in her pussy hitting her cervix. I heard her moaning a deep long soulful moan ” oooooooooohhhhhhhhhhhh..oooooooohhhhhhhhhh” as I pushed in deep and held it there with my balls laying against her little bud of a clitoris. Her moan turned to grunts “ugh, ugh, ugh” as I ground against her womb. I pulled out only leaving the head of my cock in her, then slammed all the way back in. I did this over…
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  160. ……….” Alana reached over and patter her friend on the leg and replied softly, “Well don’t you worry about it, baby, Alana is going to take care of everything, okay!?!” With a grateful look on her face, Jan smiled wanly and replied, “Thanks, Alana, you’re really a true friend!!!”Once they were parked, Alana turned to face Jan, and with loving tenderness, she kissed her softly on the mouth and whispered, “So that mean old husband of yours left you high and dry, huh, well don’t you worry about a thing, cuz mama’s gonna take good care of you hot little pussy!!!” After a couple of minutes…
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  161. But no I’m not gay. So congratulations to you, you’re now all caught up with our story.I woke up one morning feeling pretty bad for what I had done to Paul. I know that we are not officially a couple but I still shouldn’t have slept with my professor.I didn’t have class that day so I decided to do something special for him. I went to a crossdresser friendly store to pick out a naughty outfit. I think he would really like me wearing a nice satin teddy or something like that. I will also grab a nice looking wig some Stockings and to complete the outfit a pair of high heels, if I can learn to…
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  162. After all she hated her husband and was already in the process of divorcing him so she could be with Him. Yes Him. The Man she met 9 months ago that awakened her inner animal. Whose passion engulfed her and who showed her pleasure can be limitless with the right person. The thought of Him brings and evil grin to her face and she notices a dampening of the panties he told her to wear this evening. Yes she might still be married, but she belonged mind, body and soul to Him.The evening wears on and she suffers through it as best she can. Smiling at all the right times and people, laughing at…
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