Insuring the Past,
To Secure Your Future
Welcome to Florida! We are a professional South Florida Real Estate Title Company that strives for fast, efficient, and professional real estate closings. As your full service title and escrow service company, our role is to make certain that your real estate closing is effortless. Our knowledge combined with outstanding customer service, will insure that your experience with our company will be unforgettable. We are licensed for the entire state of Florida.
To get started click on one of the links below.
Insuring the Past,
To Secure Your Future
We are a professional South Florida Real Estate Title Company that strives for fast, efficient, and professional real estate closings. As your full service title and escrow service company, our role is to make certain that your real estate closing is effortless. Our knowledge combined with outstanding customer service, will insure that your experience with our company will be unforgettable.
To get started click on one of the links below.
New to our website?
Please take a moment and read the information below for some details on Title Insurance and
why you will want to make sure you invest in Title Insurance for your home or property purchase.
New to our website?
Please take a moment and read the information below for some details on Title Insurance and why you will want to make sure you invest in Title Insurance for your home or property purchase.
What is Title Insurance and
Why Do You Need It?
Title insurance is a form of indemnity insurance that protects lenders and homebuyers from financial loss sustained from defects in a title to a property. The most common type of title insurance is lender’s title insurance, which the borrower purchases to protect the lender. The other type is owner’s title insurance, which is often paid for by the seller to protect the buyer’s equity in the property.
KEY REASONS TO GET TITLE INSURANCE
- Title insurance protects lenders and buyers from financial loss due to defects in a title to a property.
- The most common claims filed against a title are back taxes, liens, and conflicting wills.
- A one-time fee paid for title insurance covers pricey administrative fees for deep searches of title data to protect against claims for past occurrences.
What is
Title Insurance
and Why Do You Need It?
Title insurance is a form of indemnity insurance that protects lenders and homebuyers from financial loss sustained from defects in a title to a property. The most common type of title insurance is lender’s title insurance, which the borrower purchases to protect the lender. The other type is owner’s title insurance, which is often paid for by the seller to protect the buyer’s equity in the property.
KEY REASONS TO GET TITLE INSURANCE
- Title insurance protects lenders and buyers from financial loss due to defects in a title to a property.
- The most common claims filed against a title are back taxes, liens, and conflicting wills.
- A one-time fee paid for title insurance covers pricey administrative fees for deep searches of title data to protect against claims for past occurrences.
Understanding Title Insurance
A clear title is necessary for any real estate transaction. Title companies must do a search on every title in order to check for claims or liens of any kind against them before they can be issued.1
A title search is an examination of public records to determine and confirm a property’s legal ownership and to find out whether there are any claims are on the property. Erroneous surveys and unresolved building code violations are two examples of blemishes that can make the title “dirty.”
Title insurance protects both lenders and homebuyers against loss or damage occurring from liens, encumbrances, or defects in the title or actual ownership of a property. Common claims filed against a title are back taxes, liens (from mortgage loans, home equity lines of credit (HELOC), and easements), and conflicting wills. Unlike traditional insurance, which protects against future events, title insurance protects against claims for past occurrences.1
A basic owner’s basic title insurance policy typically covers the following hazards:2
- Ownership by another party
- Incorrect signatures on documents, as well as forgery and fraud
- Flawed records
- Restrictive covenants (terms that reduce value or enjoyment), such as unrecorded easements
- Encumbrances or judgments against property, such as outstanding lawsuits and liens
Understanding Title Insurance
A clear title is necessary for any real estate transaction. Title companies must do a search on every title in order to check for claims or liens of any kind against them before they can be issued.1
A title search is an examination of public records to determine and confirm a property’s legal ownership and to find out whether there are any claims are on the property. Erroneous surveys and unresolved building code violations are two examples of blemishes that can make the title “dirty.”
Title insurance protects both lenders and homebuyers against loss or damage occurring from liens, encumbrances, or defects in the title or actual ownership of a property. Common claims filed against a title are back taxes, liens (from mortgage loans, home equity lines of credit (HELOC), and easements), and conflicting wills. Unlike traditional insurance, which protects against future events, title insurance protects against claims for past occurrences.1
A basic owner’s basic title insurance policy typically covers the following hazards:2
- Ownership by another party
- Incorrect signatures on documents, as well as forgery and fraud
- Flawed records
- Restrictive covenants (terms that reduce value or enjoyment), such as unrecorded easements
- Encumbrances or judgments against property, such as outstanding lawsuits and liens
Frequently Asked Questions on Title Insurance
What is title insurance?
Title insurance protects owners and lenders against financial loss from defects in a property’s title — things like undisclosed liens, forged documents, missing heirs, or recording errors — that a title search may not catch. Unlike most insurance, it’s a one-time premium paid at closing that protects for as long as you or your heirs hold an interest in the property.
Is title insurance required in Florida?
A lender’s title policy is required by virtually every mortgage lender before they’ll fund a loan, since it protects their financial interest in the property. An owner’s policy isn’t legally required, but it’s the only policy that protects your equity, so it’s strongly recommended for every purchase.
What's the difference between an owner's policy and a lender's (mortgagee) policy?
A lender’s policy protects only the lender, for an amount equal to the loan balance, and its coverage decreases as the mortgage is paid down. An owner’s policy protects the buyer for the full purchase price of the home for as long as they own it, regardless of loan balance.
Does title insurance cover everything?
No. Standard policies exclude things like matters not of public record, boundary/survey issues not covered by an ALTA survey, zoning violations, and issues the buyer already knew about. Enhanced (extended) owner’s policies cover additional risks like post-closing forgery, living trust issues, and certain permit violations.
What is "enhanced" or "extended" title insurance, and is it worth it in Florida?
Enhanced policies cost slightly more than standard policies but add protection against risks standard policies exclude — including certain post-closing forgery, easement violations discovered after closing, and issues with prior owners’ construction that lacked permits. This is increasingly relevant in Florida given the volume of new construction and past permitting backlogs in many counties.
How long does title insurance coverage last?
An owner’s policy lasts as long as you or your heirs retain an interest in the property — there’s no renewal and no annual premium. A lender’s policy lasts until the loan is paid off or refinanced.
Do I need a new title policy if I refinance?
Yes, in most cases. A refinance is a new loan, so your lender will require a new lender’s title policy. However, Florida offers a discounted “reissue rate” if you’re refinancing within a certain time period and can show a copy of your prior policy.
What is a title search, and how is it different from title insurance?
A title search is the investigative process — examining public records for liens, judgments, easements, and ownership history. Title insurance is the coverage that protects against anything the search didn’t catch, or that arises later from an error, omission, or hidden claim.
1227 SE 47th Street, Cape Coral, FL 33904 • Tel: 239-344-DEED (3333) • Fax: 239-242-2014
© 2026. Realty Title Solutions, LLC. * All rights reserved. Privacy Policy Website by Visitivity Inc.
1227 SE 47th Street, Cape Coral, FL 33904
Tel: 239-344-DEED (3333) • Fax: 239-242-2014
© 2026. Realty Title Solutions, LLC. * All rights reserved. Privacy Policy Website by Visitivity Inc.