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Why do you need title insurance?

When you buy a Florida home, it probably represents the biggest investment you will make in your lifetime. Consequently, you want to make sure that your home and the land on which it sits really belongs to you and not to someone else. This is where title insurance comes in.

Compass Land and Title explains that the word “title” means your legal right of ownership in and to the home you buy. As the legal owner of your property, you have the right to possess, use, sell or transfer your home and its land to someone else through deed, inheritance, etc.

Title insurance protection

Title insurance protects you if someone sues you, claiming that you do not have free and clear title to your home due to past defects in your title such as the following:

  • A forged will or deed
  • Transfer by an underage person
  • Conveyance by a married owner without the consent or participation of his or her spouse
  • Conveyance by someone secretly married
  • Conveyance by someone after an invalid divorce
  • Undisclosed heirs of a previous owner

Title insurance types

Florida provides for two types of title insurance: lender’s policy and owner’s policy. If you obtain a mortgage on your home, your mortgage lender likely will require you to obtain a lender’s policy that protects its interests in your home’s title. The lender’s policy does not protect you, however. You must purchase an owner’s title policy to do that.

Both the lender’s policy and the owner’s policy carry reasonable purchase prices. In addition, you pay only a one-time premium on each. The policies remain in effect for as long as you own your home.

This is general educational information and not intended to provide legal advice.

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