What is Title Insurance?
Title insurance is a unique form of insurance that protects you from financial loss due to defects in the title to your property. Unlike other insurance that protects against future events, title insurance protects against claims from past occurrences—such as forged documents, undisclosed heirs, errors in public records, or outstanding liens.
In Florida, title insurance is typically required by lenders and provides essential protection for both buyers and lenders. With Closing Pros LLC, every title policy is backed by attorney oversight, ensuring the highest level of legal protection for your investment.
Owner's Title Insurance
Protects your ownership rights and equity in the property. Paid once at closing and lasts as long as you or your heirs own the property.
Lender's Title Insurance
Protects the lender's interest in the property. Required by most mortgage lenders and covers the loan amount.
What Does Title Insurance Cover?
Title insurance protects you from a wide range of title defects that may not be discovered during the initial title search. Our attorney-led team conducts thorough examinations to minimize risk, but title insurance provides essential protection against:
Our Attorney-Led Title Search Process
At Closing Pros LLC, every title search is overseen by John E. Wickman, Esq., a Board Certified Real Estate Law Expert. This attorney-backed approach ensures that potential issues are identified and resolved proactively—before they become problems.
1. Comprehensive Title Examination
We examine public records going back decades to verify legal ownership and identify any claims, liens, or encumbrances. This includes checking county records, court documents, tax records, and federal databases.
2. Issue Identification & Resolution
If our search reveals any title issues—such as unpaid liens, boundary disputes, or errors in public records—our attorney-led team works immediately to resolve them before closing. This proactive approach prevents delays and protects your investment.
3. Policy Issuance & Protection
Once the title is cleared, we issue your title insurance policy. This provides ongoing protection against covered claims and includes legal defense if your ownership rights are ever challenged.
Title Insurance in Florida
Florida has specific regulations governing title insurance that benefit consumers. Understanding these rules helps you make informed decisions about your real estate transaction.
Regulated Rates
Title insurance rates in Florida are regulated by the state, meaning the premium is the same regardless of which title company you choose. What differs is the level of service, expertise, and protection you receive. At Closing Pros LLC, you get attorney-backed service at the same regulated rate as other title companies.
Who Pays for Title Insurance?
In most Florida counties, it's customary for the seller to pay for the owner's title insurance policy, while the buyer pays for the lender's policy (if financing). However, this is negotiable and can vary by contract. In Sarasota and Manatee Counties, these customs are well-established, but your real estate contract ultimately determines who pays.
One-Time Premium
Unlike other insurance with recurring premiums, title insurance is paid once at closing. Your owner's policy protects you for as long as you or your heirs own the property—no renewals, no additional premiums.
Simultaneous Issue Rate
When both owner's and lender's policies are issued simultaneously, Florida law provides a discounted "simultaneous issue rate" for the lender's policy, reducing your overall title insurance costs.
The Attorney Advantage
Choosing Closing Pros LLC for your title insurance means choosing attorney-backed expertise at the same regulated rates as traditional title companies. Here's what sets us apart:
Board Certified Attorney
Every transaction overseen by a Board Certified Real Estate Law Expert—a distinction held by less than 0.5% of Florida attorneys.
30 Years Experience
Three decades of real estate law practice in Sarasota and Manatee Counties, with deep knowledge of local title issues.
Proactive Protection
Attorney oversight means issues are identified and resolved before closing—preventing delays and protecting your investment.
Client Experiences
"I had my first real estate Closing experience with Wickman Law group, and it was fantastic! Very nice Front Desk receptionist, beautiful office, excellent communication throughout the entire transaction, and truly an enjoyable experience."
- Recent Client
"Such an amazing experience with the wickman team! Family businesses just do it best. The peace of mind I had using this team was unmatched. All information was set out in front of us and explained in such a way that was easy to understand."
- Satisfied Homebuyer
Protect Your Investment with Attorney-Backed Title Insurance
Get the same regulated rates as other title companies, plus the added protection of attorney oversight. Request your free quote today.
📞 Call us at (941) 933-PROS (7767) for immediate assistance