AboutServicesRealtors & Lenders LocationsReviewsFAQ BlogContact Calculators Forms Order Title
Service Detail

Florida Title Insurance

Owner's and lender's title insurance — protecting your property rights and your investment long after closing day.

☎ (561) 396-2692

Florida title insurance is a one-time premium at closing that protects you for as long as you own your home. The rate is set by the state — but an owner’s policy is optional, and you want it.

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.

Title insurance protection
Free · No Obligation

Have a Title or Closing Question?

Leave your name, phone, and email and our team will reach out — fast and friendly, no obligation.

Policy Types

Two Policies, Complete Coverage

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.

Old Republic Title Insurance logo
Old Republic Title
Stewart Title Insurance logo
Stewart Title
CATIC title insurance logo
CATIC
WFG National Title Insurance logo
WFG National Title

Learn more about our title insurance underwriters →

Free · No Obligation

Have a Title or Closing Question?

Leave your name, phone, and email and our team will reach out — fast and friendly, no obligation.

Owner's vs. Lender's Title Insurance

Two different policies protecting two different parties. Here's who each one covers — and why you want the owner's.
Owner's PolicyProtects YOU, the buyer
What it protects
Your equity & ownership rights
Coverage amount
Full purchase price of the home
How long it lasts
As long as you or your heirs own it
Required?
Optional — but strongly recommended
Lender's PolicyProtects your LENDER
What it protects
The lender's interest in the loan
Coverage amount
The loan amount only
How long it lasts
Until the loan is paid off or refinanced
Required?
Yes — required by virtually all lenders
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 →
Get Started Today

Ready to Open Your Title Order?

Our team will get your file opened within hours. We work with buyers, sellers, agents, and lenders across all of Florida.

☎ (561) 396-2692
Free Florida Title & Closing Calculators
Estimate your closing numbers in seconds — free, instant, no signup.

See all Florida title calculators →

Forms & Documents

Open & Move Your File Online

Already have a signed contract? Send it over and we’ll open your file today.

Submit a Contract →

See all forms & documents →

From Our Blog

Rabideau Klein Escrow Lawsuit
Escrow Lawsuit

Rabideau Klein Escrow Lawsuit

What the case means for buyers, sellers & escrow safety.

The Florida Butler Rebate Explained
Butler Rebate

The Florida Butler Rebate Explained

How the Butler Rebate can lower your title insurance cost.

All Star Title Escrow Theft Arrest
Escrow Fraud

All Star Title Escrow Theft Arrest

Why choosing a trustworthy closing agent matters.

Florida Title Insurance Market 2026
Market Report

Florida Title Insurance Market 2026

Premiums, claims & where Florida ranks nationally.

Read more on the Atlantic Title blog →

What Clients Say

Trusted for Florida Closings

★★★★★

“Atlantic Title made our first home purchase so smooth. They explained every document clearly and closed on time. Couldn’t recommend them more highly.”

MR
Maria R.
First-Time Homebuyer
★★★★★

“As a Realtor I send every single client to Atlantic Title. Their team is responsive, professional, and always closes on time. My go-to title company in Florida.”

JT
James T.
Licensed Realtor
★★★★★

“We did a RON closing from out of state and it was absolutely seamless. The technology was easy to use and the team walked us through every step. Exceptional.”

SB
Sarah B.
Remote Buyer
$1 Billion+
In Closings
60+
Licensed Agents
67
Florida Counties
15+
Years of Excellence
For Realtors & Mortgage Loan Originators
Make your own co-branded marketing — free
A free self-serve tool — add your photo, logo & info and generate your own branded net sheets, flyers & payment breakdowns in seconds.
Create yours →
Order Title Now