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Quick & easy
40 years


Why Do I Need Title Insurance When Buying Real Estate?

Title insurance protects both you and the lender against any potential title defects or problems that may come up in the future.


Title insurance provides coverage for a variety of title defects, such as undisclosed liens, title fraud, and forgery. This protection ensures that the buyer is not held responsible for any previous ownership claims.


Title insurance is a one-time cost that provides ongoing protection. This makes it a cost-effective solution compared to other forms of insurance, as it covers potential issues for the entire time you own the property.


Buying a home is one of the biggest investments you'll make in your life, and title insurance gives you peace of mind knowing that your investment is protected against any unexpected title issues.


Lenders require title insurance to ensure that they have a valid and enforceable lien on the property they are financing. If a title defect were to arise, title insurance would provide the lender with the necessary protection to ensure they are not at risk of losing their investment. Your lender will require this.

How Can We Help You?


Title Insurance & Real Estate Services Made Simple.

Who wants to deal with the frustrating delays and edge of your seat stress that comes from wondering if things are going to be done right and on time? Buying a home or making a real estate purchase can be stressful. Let us help you make this quick & easy.

With us, you get

  • Simplicity

    We do away with confusing jargon and make the process easy to understand

  • Speed

    We streamline the process, so you don't have to wait around for the last piece of this important milestone

  • Flexibility

    We'll meet you where you are and when it's convenient to your schedule to sign your closing documents

  • Advanced technology

    We leverage industry-leading software and tools, like Qualia, simplifying the process without security

  • Clear communication

    We keep you apprised of the process and timeline, so there's no guesswork

  • Compassionate service

    We understand buying or selling your home may be tied to some of life's most joyous and most painful milestones and are here to support you

With them, you deal with.

  • Confusion

    You may be lost in a sea of overwhelming paperwork and lawyer-speak

  • Delays

    You could get stuck waiting around for them to get to your paperwork and stuck in meetings you don't need to be in

  • Limited availability

    They want you to work around their schedule and come to their office

  • Outdated technology

    You might be trapped by dinosaur technology, creating obstacles at every step

  • Unanswered questions

    You'll be left waiting around unsure of what comes next and when

  • Being treated like just another number

    Most firms simply don't care about the why behind the home selling process


  • easy and smooth

    Kim and the team at Bosshardt Title made the entire process easy and smooth, from preparing and collecting information and documents to finally signing and handing over the keys. Their platform makes the process easy to follow and the team is quick to answer questions as they come up. Thanks agai... Read On

  • Highly recommend

    Kim Bosshardt and team are wonderful to work with. They helped my wife and I in purchasing a property from my friend and were excellent at communicating with us and walking us through the whole process. Highly recommend using their services! Read On

  • Would highly recommend.

    I could not be happier with how smooth the closing went with Bosshardt Title. The easiest closing I have gone thru. Would highly recommend. Read On

Our Process

1. Order Title Search

2. Prepare Closing Documents

3. Prepare Settlement Statement

4. Get Lender Approval And Cut Checks

5. Both Parties Signing Closing Documents

6. DONE - Without Frustrating Delays. We Make It Simple And Easy.

How can we help you?

Our Team

Kimberly Bosshardt

Board Certified Real Estate Attorney

Carolina Valencia

Licensed Title Agent | Office Manager (Bilingual)

Tracy Ozer

Closing Coordinator

Britany Rowley

Licensed Title Agent Business Development Director


What is title insurance, and why do I need it?

Title insurance is a type of insurance that protects property owners and lenders from financial loss due to defects in the property's title. These defects can include unknown liens, encumbrances, or ownership disputes. Title insurance ensures that you have clear ownership of the property and provides financial protection against potential legal claims or losses.

How does title insurance differ from other types of insurance?

Unlike other types of insurance that protect against future events, such as accidents or damage, title insurance protects against past events or issues that may arise with the property's title. It provides coverage for problems or defects that existed before you purchased the property, ensuring your ownership rights are secure.

Who pays for title insurance in Florida?

In Florida, the party responsible for paying for title insurance can vary depending on the transaction and local customs. Generally, it is customary for the buyer to pay for the owner's title insurance policy. This policy protects the buyer's interest in the property.

Additionally, in Florida, it is common for the seller to pay for the lender's title insurance policy. This policy protects the lender's interest in the property and is typically required by the mortgage lender. However, these arrangements are subject to negotiation and can vary based on the terms agreed upon by the buyer and seller.

How long does title insurance coverage last in Florida?

In Florida, title insurance coverage typically lasts as long as you or your heirs have an ownership interest in the property. This is known as a “lifetime” or “owner's” policy. The coverage extends back to the time of the property's acquisition and protects against any covered title defects that may arise during that period.

It's important to note that the duration of the coverage can vary based on the specific terms and conditions of the title insurance policy. Generally, the policy will outline the covered risks and exceptions, as well as any limitations on coverage. 

What does title insurance not cover?

While title insurance provides significant protection, there are certain exceptions and exclusions. Title insurance typically does not cover issues arising after the policy's effective date, such as construction liens, property boundary disputes, or environmental hazards. You should carefully review your policy and consult with your title insurance provider to fully understand what is and isn't covered under your specific policy.

How can we help you?

[LAW FIRM NAME] Is Here for You

At [LAW FIRM NAME], [I/WE] focus on [PRACTICE AREA(S)] and [I/WE] [AM/ARE] here to listen to you and help you navigate the legal system.

Our Services

Escrow Services

1031 Exchanges

Title Insurance

Title Searches & Examinations

Real Estate Attorney

For Sale By Owner Closings

Residential Closings

Commercial Closings

Real Estate Closings

HELOC/Loan Modification

Refinance Closing

Construction Loans


Serving Gainesville and throughout Florida