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 Frequently Asked Questions about Title 

  • What is Title Insurance?

  • Title insurance is a policy that protects lenders and homebuyers from third-party claims on a property that don’t show up in the initial title search and arise after a real estate closing. The most common type of title insurance is lender's title insurance and owner's title insurance, which, in Florida, is often paid for by the seller to protect the buyer's equity in the property.

  • What Does a Title Company Do?

  • The principal function of the Title Companies is to issue Title Insurance. Title Companies act as the center point for the closing for buyers, sellers, lenders, realtors, and third parties such as surveyors, insurance companies, and inspectors.

  • What is an Escrow Deposit?

  • An escrow deposit is a good faith gesture made by the buyer to the seller, indicating the buyer is serious about purchasing the property. Once the funds are deposited, the money should not be removed by the escrow agent holding the funds without the buyer and the seller's written consent.

  • Who chooses the Title Company?

  • Traditionally, in Florida, the seller selects the title company, and is the one who pays for the Title Insurance. Although there are certainly exceptions, including Broward, Miami-Dade, Collier and Sarasota counties where the buyer typically pays the title insurance.

    • Title Insurance Costs

    Title insurance is paid in the form of a one-time upfront fee. There are a variety of things that impact your title insurance costs. Among the biggest factors is the loan amount and the price of the home itself. 


    Do you have any other questions about Title Insurance?
    Feel free to call us at (407) 440-8606

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