Florida Title Insurance

Q: Which title insurance underwriters does Atlantic Title Firm write through?

We write through Old Republic National Title, Stewart Title, Catic, and WFG — covering the full range of Florida purchase, refinance, and investor transactions across all 67 Florida counties.

Why You Need It

One Policy. Lifetime Protection.

Title insurance protects you from claims against your property that arise from events before you took ownership — forged signatures, undisclosed heirs, clerical errors, unpaid taxes, and more. These issues may not surface until years after you close.

Unlike other insurance, title insurance is a one-time premium paid at closing — and it protects you for as long as you own the property.

Policy Types

Two Policies, Complete Coverage

Owner's Policy

Protects your equity in the property against title defects, fraud, forgery, undisclosed heirs, and other covered risks for as long as you own it. A one-time premium at closing — no renewals.

Lender's Policy

Required by virtually all mortgage lenders, this policy protects the lender's interest in the property up to the loan amount. Separate from the owner's policy.

Enhanced Coverage

Optional enhanced owner's policies provide additional protection — including post-policy forgery, zoning issues, encroachments, and more.

Prior Title Search

Before issuing any policy, we conduct a thorough examination of public records to identify and resolve any existing title defects or risks.

Claims Assistance

If a covered claim arises after closing, we guide you through the claims process and work directly with the underwriter on your behalf.

Policy Endorsements

We issue policy endorsements for unique property situations — easements, mineral rights, access issues, and more — tailored to your specific deal.

Financial Strength

Backed by the Nation's Leading Underwriters

Every policy we issue is backed by one of four established national title insurance underwriters. Because Florida title rates are set by the state, the underwriter never changes your premium — only the financial strength standing behind your coverage.

Learn more about our title insurance underwriters →

Common Questions

Title Insurance FAQ

What is title insurance and why do I need it?

Title insurance protects you against financial loss from defects in title that existed before you bought the property — undisclosed heirs, forged deeds, missed liens, unreleased mortgages, recording errors, or fraud. Unlike other insurance, you pay a one-time premium at closing and the coverage lasts for as long as you (or your heirs) own the property.

What is the difference between owner's and lender's title insurance in Florida?

A lender's policy protects only the mortgage lender for the loan amount and is required by virtually every Florida lender. An owner's policy protects you, the buyer, for the full purchase price of the home. The lender's policy does nothing for you — you need an owner's policy to be protected. We strongly recommend purchasing both at closing.

How much does title insurance cost in Florida?

Florida title insurance premiums are promulgated rates set by the Florida Office of Insurance Regulation — meaning every title agency in Florida charges the exact same premium for the same coverage. There is no shopping for a lower rate. When the owner's and lender's policies are issued together at the same time, a simultaneous-issue discount applies to the lender's premium. Even though the rate is fixed, the Butler rebate is one legal way Florida buyers and sellers pay less. Get a closing cost estimate.

How long does my title insurance policy last?

An owner's policy lasts for as long as you or your heirs hold an interest in the property — there is no expiration date and no renewal premium. A lender's policy lasts until the loan it secures is paid off or refinanced. Refinancing requires a new lender's policy on the new loan.

Who pays for title insurance in Florida?

Florida custom varies by county. In most counties, the seller customarily pays for the owner's title insurance policy and selects the closing agent. In Miami-Dade, Broward, Sarasota, and Collier counties, the buyer typically pays. The FAR/BAR contract allocates this expressly — whoever pays selects the closing company.

Which title insurance underwriters does Atlantic Title Firm write through?

We write through Old Republic Title, Stewart Title, CATIC, and WFG National Title — covering the full range of Florida purchase, refinance, and investor transactions across all 67 Florida counties. Learn more about our title insurance underwriters →