Title insurance
Title insurance that protects your ownership
A one-time premium that defends your right to your property for as long as you own it.
Quick answer
Title insurance is a one-time policy that protects you against covered defects in a property's title — liens, errors, or competing claims that existed before you bought. In Florida the premium is set by the state, so it's the same from agent to agent; Title Base rebates 15% of the owner's premium for qualifying heroes.
When you buy a home, you're buying its history too. A title search clears most issues, but some — a forged signature, an unknown heir, an unpaid contractor's lien — only surface later. Title insurance protects you from the cost of defending against those covered claims, with no expiration as long as you or your heirs own the property.
| Owner's policy | Protects the buyer's equity and ownership |
|---|---|
| Lender's policy | Protects the mortgage lender (usually required) |
| Premium | Set by the State of Florida (promulgated rate) |
| Paid | Once, at closing — coverage never expires |
| Hero rebate | 15% off the owner's premium (Hometown Heroes Boost) |
| Service area | All 67 Florida counties |
Owner's vs. lender's policy
An owner's policy protects you, the buyer — your equity and your right to the property. A lender's policy protects only the bank's interest in the loan and is almost always required by your mortgage lender. Most buyers purchase both at closing; with a simultaneous issue, the second policy is heavily discounted. We'll walk you through exactly what each one covers before you sign.
Why the price is the same everywhere — and how we're different
Florida regulates title-insurance premiums, so the rate is identical no matter which agency issues the policy. That means the real choice is about service — and, for our heroes, savings. Through the Hometown Heroes Boost we rebate 15% of the owner's premium without touching your coverage. See if you qualify →
Frequently asked questions
Is title insurance required in Florida?
A lender's policy is required by virtually every mortgage lender. An owner's policy is not legally required, but it's strongly recommended — it's the only thing protecting your equity against covered title defects.
How much does title insurance cost?
The premium is set by the state of Florida and scales with the sale price. As an example, a roughly $825,000 home carries an owner's policy of about $4,200. Qualifying heroes save 15% of that through the Hometown Heroes Boost.
Do I pay for title insurance every year?
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.
Does the Hometown Heroes rebate reduce my coverage?
No. You receive the full standard owner's policy; the Boost simply rebates 15% of the premium. It is RESPA-compliant.
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.