Title Insurance That
Protects Your Property Rights
Local Protection.
National Backing.
Protecting Property the Smart Way
Title insurance protects your ownership rights when you buy property. In Florida, it’s a one-time cost that helps cover legal and financial losses if an issue with the title comes up after closing. We issue title insurance policies backed by two trusted national underwriters, so you can move forward with confidence.
Whether you’re buying a house in St. Pete, a duplex in Gulfport, or land in Hillsborough County, we’ll make sure your title is clean—and covered.
What Title Insurance Covers
Even after a full title search, some problems aren’t easy to spot. Title insurance protects you from risks like:
Clerical or recording errors in past deeds
Unpaid liens or back taxes
Unknown heirs or missing signatures
Fraudulent documents or forgeries
Boundary or survey disputes
If any of these issues come up after your purchase, a title insurance policy can help pay for legal fees, settlements, or even loss of the property itself in extreme cases.
Who Pays for Title Insurance in Florida?
It depends on the county and what’s negotiated in the contract. In Pinellas County (where St. Petersburg is located) and Hillsborough County (where Tampa is located), the seller typically chooses the title company and pays for the owner’s policy.
Not sure what your contract says? We’ll review it and explain what your options are.
Owner’s Policy vs Lender’s Policy
Owner’s Policy
Protects you, the buyer. This is optional in Florida but highly recommended. It’s a one-time payment at closing that covers you as long as you own the property.
Lender’s Policy
Required by your mortgage company. It protects their interest in the property but does not protect you. This is why buyers should get their own owner’s policy too.
How Much Does It Cost?
Florida sets the base premium rate by law. It’s based on the purchase price of the property. For example, a $300,000 home typically has a standard title insurance cost of around $1,575. Add-ons like endorsements may affect the final total.
We’ll give you a clear quote up front—no surprises at the closing table.
Do I Need Title Insurance If I’m Paying Cash?
Yes. Even if you’re not borrowing money, you’re still at risk if someone challenges your ownership. Title insurance gives you peace of mind and protects your investment.
Our Underwriters
We issue title policies through:
- The Fund (Old Republic Title)
- WFG National Title Insurance Company
Both are well-established national title underwriters with a strong track record of protecting Florida property owners.
Local Experience Matters
We’ve issued title insurance for homes in Kenwood, commercial buildings near US-19, and investment properties from Largo to Tampa Heights. We know where title issues tend to pop up—and how to clear them before closing.
Title Insurance – Frequently Asked Questions
What is title insurance & why do I need it?
Title insurance protects your ownership rights to a property. If someone later claims they have a stake in your property—due to an old lien, fraud, or missing signature—you’re covered. It's a one-time cost that helps avoid big problems down the road.
What’s the difference between an owner’s policy & a lender’s policy?
A lender’s policy protects the bank or mortgage company. It’s required if you’re financing. An owner’s policy protects you, the buyer, and is optional—but strongly recommended. Without it, you could be on the hook if a title issue shows up after closing.
How long does title insurance coverage last?
An owner’s policy lasts as long as you own the property. You only pay for it once, at closing. If you refinance, you may need a new lender’s policy, but your owner’s policy stays in effect.
What types of problems does title insurance cover?
Title insurance can cover issues like:
- Undisclosed heirs or missing signatures
- Unpaid property taxes or liens
- Forged documents or fake deeds
- Errors in public records
- Survey disputes or boundary issues
If something like this shows up after you buy, your policy can help cover legal fees, settlements, or losses.
How much does title insurance cost in Florida?
Florida sets standard title insurance rates by law. The premium depends on the property’s price. For example, a $250,000 home might have a premium around $1,325. We’ll give you a quote with your closing estimate.
Who usually pays for title insurance in Florida?
It depends on where the property is located. In Pinellas County, the seller usually pays. In Hillsborough County, the buyer often does. Your contract will spell this out—if you’re not sure, we’ll walk you through it.
Is title insurance worth it if I’m buying with cash?
Yes. Even if you don’t have a lender, title insurance protects your investment. One overlooked issue—like an old claim or unpaid lien—could lead to a legal fight. With a policy in place, you're protected.
Do I need title insurance for a condo or vacant land?
Absolutely. Title insurance applies to any real property—homes, condos, land, commercial buildings. Problems can happen in all of them, and coverage gives you peace of mind.
Reach Out Anytime
Have Questions?
We’ll Walk You Through It.
Title insurance can feel like just another fee—but it’s one of the most important protections in any real estate deal. If you’ve got questions about what it covers or whether you need it, we’ll explain it in plain language.
