Title Insurance

Frequently Asked Questions

TITLE SEARCH

A title search is a detailed examination of the historical records concerning a property. Records examined include past deeds, name indexes, property indexes, as well as other documents.

A title search is done make sure the seller has the right to transfer ownership of the property and to discover any problems the title of the property may have.

Problems such as title defects, liens, encumbrances, restrictions, unpaid taxes, unsatisfied mortgages, judgments, and restrictions limiting the use of the land among other things might be discovered during a title search.

TITLE INSURANCE

Title insurance is an insurance policy that protects against possible defects in your title or claims against your ownership.

Title insurance provides you a legal defense if a claim is made against your property and provides you reimbursement for your losses if claims against your ownership are valid.

In most Florida counties, the seller generally pays for the title insurance and chooses the title company. However, in some counties such as Broward, Collier, Dade, and Sarasota, the buyer generally pays for and chooses the title insurance.

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