Good to know
Title & closing questions, answered
Straight answers about title insurance, the Hometown Heroes Boost, and how a Florida closing works.
Quick answer
Florida title-insurance premiums are state-set, so they cost the same everywhere — Title Base competes on service and a 15% hero rebate. We close in all 67 counties, require no application for the Boost, and never email wire instructions.
Title insurance & cost
Why is title insurance the same price everywhere in Florida?
Florida regulates (promulgates) title-insurance premiums, so the rate is identical regardless of which agency issues the policy. The real difference between title companies is service — and, at Title Base, the 15% Hometown Heroes Boost.
Do I need both an owner's and a lender's policy?
Your lender will almost always require a lender's policy. An owner's policy is optional but strongly recommended — it's the only thing protecting your equity against covered title defects. Bought together, the second policy is discounted.
Is title insurance a recurring cost?
No. It's a one-time premium paid at closing, and the owner's policy protects you for as long as you or your heirs own the property.
The Hometown Heroes Boost
Who qualifies for the 15% rebate?
Current or former military, first responders (police, firefighter, EMS), educators of all levels, and medical professionals — buyer or seller, whoever pays for the owner's policy.
Do I have to apply?
No application. Just tell your Title Base representative you qualify once you have an executed contract, and we handle the rest.
Does it reduce my coverage?
No. You receive the full standard owner's policy; the Boost simply rebates 15% of the premium, and it's RESPA-compliant.
Closings & process
What areas does Title Base serve?
All 67 Florida counties, with our office in downtown Naples serving Collier, Lee, and the rest of Southwest Florida.
How do I protect myself from wire fraud?
Always call us at 239-516-0123 to verbally confirm wire instructions before sending funds. We never email new or changed wiring instructions.
What do I bring to closing?
A government-issued photo ID and any required funds by wire or cashier's check. We send a checklist and confirm the exact figure in advance.
Ready when you are
Let's get you to a successful closing.
Call, email, or start your file online — we'll confirm your Hometown Heroes eligibility and take it from there.