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