Title Insurance
Title insurance protects you from problems with the title that existed before you owned the property — problems a standard title search will not always find. A one-time premium at closing gives you coverage for as long as you or your heirs hold an interest in the property.
A title policy defends you against claims like unsatisfied mortgages, unpaid taxes, judgments against a prior seller, forged signatures, missing heirs, and restrictions limiting how you use the land. Our agents research the chain of title, clear defects before closing, and issue the policy on the day funds change hands.
In Northwest Florida the seller typically pays for the owner's policy under Panhandle custom, but this is negotiable in the contract. We spell out exactly who pays what on your CD so there are no surprises at the table.
Highlights
- Owner's policy protects your equity for as long as you own the property
- Lender's policy is typically required by mortgage lenders
- Florida rates are promulgated — the base premium is the same at every agency
- Reissue credit may lower your premium if the property was recently insured
Common questions
- Is title insurance the same as homeowners insurance?
- No. Homeowners insurance covers future events (fire, theft, storm). Title insurance covers past events on the record — things that happened before you owned the property.
- How long does the policy last?
- An owner's policy stays in force as long as you — or your heirs — have an interest in the property. There is no renewal premium.
Ready to open a title insurance file?
Send us the contract and closing date — we’ll take it from there.