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Title
insurance is a unique form of insurance. Unlike
any other (auto, homeowner's or health), it
does not insure against some casualty which
may occur in the future. Title insurance protects
the policy holder against claims resulting
from things that happened (or did not happen)
in the past, such as unpaid liens, mortgages,
deeds that were not endorsed by all vested
parties to the transaction, missing heirs,
and the list could go on. The point is that
your home is probably the largest investment
you will make. You, as a homeowner, want to
have peace of mind that you rightfully own
that property and no one has the right to
challenge that. Title insurance agents, unlike
car, homeowner's, health, or other insurance
agents, determine the insurability of the
title of the property. Title Insurance Agencies
are charged with reviewing the history of
the property you are purchasing and insuring
that no defaults have occurred throughout
the transfers of ownership. Title insurance
premiums are set by the State of Florida,
and Florida Title Agencies are insured and
bonded in accordance with Florida State Statutes
to adhere to stringent financial requirements.
The
Florida Department of Financial Services,
Department of Insurance can easily search
to see if someone or an entity is a licensed
title professional and/or company. If we can
be of assistance to you, please call (727)
446-9500 or (813) 831-9494.
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