Owner’s Title Insurance Florida: Cost, Coverage & Why You Absolutely Need It (2025)
When you buy a home in Florida, you're making one of the biggest investments of your life. An Owner's Title Insurance policy is your shield, protecting your ownership rights against hidden problems from the past. Here's what you need to know.
What is Owner's Title Insurance?
An Owner's Title Insurance policy is a contract that protects you, the property owner, from financial loss and legal expenses due to defects in the property's title. Unlike other insurance that protects against future events, title insurance protects against claims arising from events that happened in the past.
It is a one-time fee paid at closing that protects you and your heirs for as long as you own the property.
Why You Absolutely Need It: Protection from the Unknown
Defense Against Claims
If someone sues you over a title defect, your policy covers the legal costs to defend your ownership rights. This alone can save you tens of thousands of dollars.
Safeguards Your Equity
It protects your financial stake in the property. Without it, you could lose your entire investment—including your down payment and all equity you've built.
Provides Peace of Mind
An Owner's policy allows you to rest easy, knowing your right to your property is protected from a variety of hidden hazards from the past.
What It Covers
Even after a thorough title search, hidden issues can emerge. An Owner's policy protects you from:
- Errors in Public Records: Simple clerical errors can cause significant ownership issues.
- Unknown Liens: Such as unpaid contractor bills, taxes, or HOA dues from a previous owner.
- Forgeries and Fraud: Documents that were forged or signed by someone without the legal right to do so.
- Missing Heirs: Family members of past owners who suddenly appear and claim ownership.
- Undiscovered Encumbrances: Such as a previously unknown easement that limits your use of the property.
Protect Your Biggest Investment
Don't leave your ownership to chance. For a one-time fee, you can secure your property rights for a lifetime. Contact $Location Title & Escrow LLC for a free, no-obligation quote for an Owner's Title Insurance policy.
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