Comprehensive Title Insurance Services in Florida
Protect your most valuable asset. Location Title & Escrow LLC offers Owner's and Lender's title insurance policies to safeguard your property rights.
What is Title Insurance and Why is it Essential?
Title insurance is a policy that protects property owners and lenders from financial loss due to defects in a property's title. Unlike other forms of insurance that protect against future events, title insurance protects you from issues that occurred in the past.
Before you purchase your property, Location Title & Escrow LLC performs a thorough title search to uncover hidden problems. However, even the most comprehensive search cannot find all potential title defects. A title insurance policy provides the final layer of protection for your ownership rights.
Types of Title Insurance Policies
Owner's Title Insurance
An Owner's Policy protects you, the homebuyer, from title defects for as long as you or your heirs own the property. It is typically paid for with a one-time premium at closing.
- Protects against fraud, forgery, and errors in public records.
- Covers legal fees to defend your title.
- Safeguards your equity and right to the property.
Lender's Title Insurance
A Lender's Policy, also known as a loan policy, is required by most mortgage lenders. It protects the lender's financial interest in the property against title defects until the loan is paid off.
- Protects the lender's investment in your property.
- Does not protect the buyer's equity.
- Policy amount decreases as the loan is paid down.
What Does Title Insurance Protect Against?
Your Owner's Policy can protect you from a wide range of hidden title hazards, including:
Errors in Public Records
Unknown Liens (e.g., from unpaid contractors or taxes)
Illegal Deeds
Missing Heirs
Forgeries and Fraud
Undiscovered Encumbrances
Boundary/Survey Disputes
Unknown Easements
Prior Undisclosed Mortgages
Frequently Asked Questions
How much does title insurance cost in Florida?
Florida title insurance premiums are state-promulgated. Total closing cost still depends on policy type, endorsements, and transaction details.
Do cash buyers need title insurance?
Cash buyers are not typically required by a lender, but many still purchase an owner policy to protect against prior title defects.
Who pays for title insurance in South Florida?
Payment responsibility is set by contract and is negotiable between buyer and seller based on local practice and deal terms.
See ourMiami title insurance cost guideandFlorida title company selection guidefor additional context.
For provider selection support, reviewhow to choose a title company in Miamiand share ourClosing Success Kitafter recording.
Get in Touch
Looking for title services or a quote for your property? We serve Miami Lakes, Miami, Fort Lauderdale, West Palm Beach, Orlando, Tampa, Naples, Doral, the Florida Keys, and all of Miami-Dade, Broward, Palm Beach, Orange, Monroe, and Collier Counties. We also offer Commercial Title Services and RON across Florida. Reach out to us today with any questions!
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Contact Information
We are here to assist you with all your title and escrow needs. Reach out to us through any of the following methods.
Location Title & Escrow LLC Headquarters
15450 New Barn Rd #214
Miami Lakes, FL 33014
Business Hours
Monday - Friday: 9:00 AM - 5:00 PM
Weekend Closings: By Appointment