TITLE INSURANCE

Understanding Title Insurance in Florida Real Estate

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About Title Insurance

Protecting Your Biggest Investment

Buying or selling real estate is one of the largest financial transactions most people will ever engage in. Title insurance helps protect your investment by shielding you from problems tied to past ownership—things like liens, recording errors, or undisclosed heirs that may affect your rights to the property.

What Does Title Insurance Cover?

When you buy real property in Florida, it's common to receive a warranty deed. This deed comes with promises from the seller that they own the property, they have the right to sell it, and that there are no issues that would affect your ownership, like an unpaid lien. But what if those representations were incorrect or fraudulent?

That’s where title insurance steps in. Title insurance protects your legal ownership rights against prior defects, hidden claims, or errors that may not have been discovered during the title search. Your policy continues to protect you for as long as you own the property. Unlike other forms of insurance that protect against future risks, like your car insurance protecting you in case of an accident, title insurance looks backward in time—guarding against problems that arose before you took ownership. After all, there's no such thing as 'new' real estate – someone at some time has owned that same piece of land.

What Does It Cost?

When you buy real property in Florida, it's common to receive a warranty deed. This deed comes with promises from the seller that they own the property, they have the right to sell it, and that there are no issues that would affect your ownership, like an unpaid lien. But what if those representations were incorrect or fraudulent?

That’s where title insurance steps in. Title insurance protects your legal ownership rights against prior defects, hidden claims, or errors that may not have been discovered during the title search. Your policy continues to protect you for as long as you own the property. Unlike other forms of insurance that protect against future risks, like your car insurance protecting you in case of an accident, title insurance looks backward in time—guarding against problems that arose before you took ownership. After all, there's no such thing as 'new' real estate – someone at some time has owned that same piece of land.

Ask About Reissue Rates

You may qualify for a discounted reissue rate if:

  • The seller has a title insurance policy that is less than three years old

  • You are refinancing and have an existing owner’s policy

We’ll help determine if you’re eligible and ensure you receive every available discount.

FAQ

  • survey is not required to issue an owner's title insurance policy. However, if you're obtaining a mortgage, most lenders require a survey in order to issue a lender's title policy. We can use an existing survey, but the seller (or borrower, in a refinance) must sign an affidavit confirming that no changes have been made to the property.

    Even if not required, we strongly recommend a survey—it helps identify encroachments such as:

    • Fences crossing property lines

    • Driveways built over a neighbor's land

    • Buildings that are located in an easement

  • No. Title insurance is a one-time premium paid at closing and it protects you for as long as you own the property.

  • If a covered issue arises—such as a missed lien or a forged deed—your title insurer will defend your ownership and may compensate you for losses.

  • While a warranty deed includes promises from the seller, the issue becomes “Who will compensate the buyer for a loss?”. If the seller cannot be located or is deceased, the buyer might be out of luck. Title insurance provides a guarantee and a process to compensate buyers in the event of a covered claimed.

Buying or Selling? Let’s Protect Your Title.

Whether you’re purchasing your forever home, selling a rental, or refinancing an existing loan, our team will guide you through the title insurance process with clarity and professionalism.

Let us help you close with confidence—reach out today.

Protect Your Title Now