What is title insurance and do I need it?

Title insurance protects you and your lender against claims on the property's ownership — liens, errors in public records, or disputes that predate your purchase. Lenders require a lender's policy; an owner's policy protects you.

In Florida, title insurance premiums are set by the state and are a standard closing cost. An owner's policy is a one-time fee that protects your equity for as long as you own the home. We recommend always carrying it.

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