Title Insurance & Closings FAQs
We’re here to help with your most complex Title and Closing Questions. Call us for more in-depth information for any of your real estate needs.
Answers to your basic Title & Closing Questions
Navigating the world of closings and title insurance can be challenging for anyone who doesn’t have intimate knowledge and experience of the real estate industry.
At ASR Law Firm, our title insurance and closing experiences are all managed by an experienced South Florida Real Estate Attorney with years of hands-on real estate solutions.
Explore our frequently asked title and closing questions, or feel free to contact ASR Law Firm today to speak with a South Florida Attorney about your unique real estate objectives.
What is Title Insurance, how does it work and why is it needed?
Title insurance is a policy that protects either owners of real estate (Owner’s Insurance) or lenders/banks who issue mortgages and home loans (Lender/Mortgagee Insurance) against any claims or losses as a result of title defects related to the insured property that could remain hidden despite no patent public search results.
Title insurance defends the policyholder against attacks on the title of a property by either correcting the problem, paying the insured’s losses (up to the value of the policy) or defending the policyholder in a lawsuit.
A policy may also protect an Owner after the property is sold for defects that occurred prior to that policyholder’s ownership, if a loss is incurred by a subsequent purchaser, if the title was warranted.
Who pays for title Insurance?
Typically, in Florida, Title Insurance policy premiums are included in the closing costs and are the responsibility of the party indicated in the Purchase/Sales Agreement. The premium includes both the title insurance protection, as well as, a title search of existing records of the subject property.
Do both Owner’s and Lender/Mortgagee Title Insurances provide the same protection?
Is title insurance required for all Florida real estate transactions?
While not legally required, most lenders mandate title insurance to protect their investment. Even in cash deals, title insurance is strongly recommended to safeguard against hidden title defects.
Do I need separate title insurance for each property I purchase?
Yes. Title insurance only covers the property and owner listed on the policy. If you purchase additional properties, each will require its own policy.
What’s the difference between title insurance and a title search?
Does title insurance cover boundary or survey disputes?
Most standard policies don’t cover survey issues unless an extended or enhanced owner’s policy is purchased. If boundaries are a concern, discuss your options during the closing process.
How much do Title Insurance Policy Premiums cost?
The one-time policy premiums are quite affordable and based on the price of the property being sold. Title companies, which are regulated by the Florida Department of Financial Services, are bound by predetermined rates as stated by Florida law.
What types of policies are available to me as a homeowner?
When a Lender is involved, there are usually two types of title insurance policies purchased during a closing. First, the Lender will require a Lender/Mortgagees Title Insurance Policy, which ensures that the subject lien is valid against the property. Secondly, the Owner’s Title Insurance Policy insures a purchaser that they own the property, subject to any of the exceptions listed.
How long are these policies effective?
An Owner’s Title policy ensures a policyholder (or his/her heirs) for as long as they own the subject property or retain a liability pursuant to warranties to title issued by that policyholder to a subsequent purchaser. A Lender/Mortgagee Title policy, however, will protect the Mortgagee until the subject loan is paid off.
What kinds of title issues can arise during closing?
Common title issues include unpaid taxes, unknown heirs, forged documents, boundary disputes, or liens. A title search helps uncover these, but title insurance protects you if something is missed.
Can I choose my own title insurance company in Florida?
What happens if someone challenges my ownership after closing?
If your title is insured and someone makes a legal claim, your policy may cover legal defense costs, settlement fees, or reimbursements—depending on your coverage.
How long does it take to issue a title policy after closing?
Our Closing Services include:
Residential Closings
ASR Law Firm assists with a wide variety of residential title and closing services. From traditional sales to Double Closings and 1st-time Homebuyers, our team put our experience to work for each of our valued clients.
Commercial Closings
Trust ASR Law Firm Title & Closings with seamless commercial property closings in South Florida. Our legal professionals help facilitate effective, efficient and timely closings for Commercial Real Estate Buyers, Sellers, and Real Estate Professionals.
Refinances
ASR Law Firm provides top of the line solutions for comprehensive refinance closings, short sales, and other specialized real estate issues.
Associated Closing Services
ASR Law Firm offers full-service solutions for title searches, lien research, Escrow, and document prep, as well as experienced legal counsel for a variety of real estate legalities.
Reliable Title Insurance to Protect Your Property Investment
At ASR Law Firm, we offer attorney-directed title insurance services designed to safeguard your property rights and ensure a smooth closing experience.
Whether you’re buying, selling, or refinancing, our team helps prevent costly surprises by uncovering potential title issues before they affect your transaction. With ASR Title, your investment is backed by legal insight and personalized care every step of the way.
Title Searches & Abstracts
Escrow Services
Transfer of Deeds
Power of Attorney
Issuance of Title Insurance
Finalized Documents for Residential Real Estate Purchases and Sales
Assist with obtaining tax and homestead exemption information or application filing
Negotiation of short sales
Finalized Documents for Short sale closings
Assist with hazard and mortgagee changes
Document preparation
Finalized Documents for Like-Kind Exchanges under IRC Code Section 1031
Finalized Documents for FIRPTA Filings
Finalized Documents for Mortgage refinances
Finalized Documents for Commercial real estate purchase and sales
Why Choose ASR Law Firm for Your Title Insurance Needs?
Not all title insurance services are created equal. At ASR Law Firm, our attorney-directed title insurance process goes far beyond a basic title company by combining legal protection, oversight, and personalized guidance. Use the comparison below to see how our services protect your interests more thoroughly and professionally at every stage of your real estate transaction.
Looking for a Leading South Florida Title Company?
ASR Law Firm works to serve the interest of our clients and the local community with full-service title insurance and escrow closing services.
We’re focused on providing top of the line customer service for a variety of South Florida real estate clientele including real estate professionals, mortgage brokers, banks, and lenders.
Title Insurance Services
Protecting Your Property Rights from Day One
Close with Confidence. Protect What’s Yours.
What Our Client Say About Us
Keith A.
I’ve worked with Anila and ASR Law Firm on numerous occasions and in every instance, Anila was courteous, professional and very thorough in explaining the steps to do the things I was asking. She responded in a prompt matter to all my questions and concerns and has helped me find professional solutions for each of my unique requests.
Regla R.
I have been working with Anila for many years. In real estate, not all transactions are cut and dry, but Anila’s ability to use her expertise to resolve any issues that come up and give the parties the best experience possible is incredible. I highly recommend ASR Law for all your real estate and estate planning needs.
Ivan K.
From the start to the end of the interaction Anila was very professional, transparent and straightforward. She enabled us to complete the transaction remotely (from Canada) and looked after our interests during all aspects of the transaction, communicating directly with the other party’s lawyer. We would use Anila’s services again.
Let’s Close With Confidence, and Protect Your Investment for the Long Haul
You’ve worked hard to find the right property. Now let’s make sure your ownership is fully protected with attorney-managed title insurance. From start to finish, our team handles every detail of your title and closing with precision, speed, and legal clarity.
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Why Clients Across Florida Trust ASR Law Firm
For over a decade, ASR Law Firm has delivered reliable, results-driven legal services to clients across the state of Florida. Whether you’re navigating estate planning, managing real estate transactions, or launching a business, we combine focused legal knowledge with responsive support to make the process clear, convenient, and stress-free, no matter where you’re located.
Proven Legal Experience
We’ve successfully guided Floridians through wills, trusts, title transfers, and more, always with a focus on clarity, results, and long-term protection.
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