Title insurance protects you from financial loss if a problem with ownership appears after you buy your property. It covers issues that existed before closing, even if no one knew about them at the time. If a claim is made, your policy will defend your ownership in court, pay legal and court costs, and cover losses up to the policy amount. Coverage lasts as long as you own the property.

Common Issues Covered
Title insurance may protect you from forged or fraudulent deeds, errors in public records, missing or invalid signatures, unknown heirs, unpaid taxes, liens or judgments, unreleased mortgages, identity fraud or impersonation, and lack of legal access to the property.

What Is Not Covered
A standard policy does not cover problems you already knew about, issues after the policy date, zoning or building violations, environmental issues, tenant or occupant rights, survey or boundary disputes (unless endorsed), and future taxes or assessments.

Cost & Coverage in Florida
Title insurance is paid once at closing and lasts as long as you own the property. Rates are set by Florida law: up to $100,000 at $5.75 per $1,000 and over $100,000 at $5.00 per $1,000. Example: a $200,000 home = $1,075.

Bottom Line
Title insurance protects you from hidden ownership problems, fraud, and costly legal claims. With PRONTO TITLES, you close with confidence.