Title Insurance
Title insurance protects property owners and lenders against legal claims to a property — both claims arising out of the past and claims raised in the future. The premium is paid once at closing and the policy then covers your entire period of ownership, including the legal cost of defending against legitimate claims to the property.
Led by a practicing attorney
10+ years in real estate and law
Florida Bar Rules of Conduct
English, Russian, Ukrainian
What is title insurance?
Title insurance is a form of protection for property owners and lenders against potential legal claims related to the property, both past and future. This type of insurance ensures that the buyer has a clear right to ownership and protects against possible title issues. The title insurance premium is paid once at the closing and provides coverage for the entire period of ownership. If any title defects are discovered, the policy covers legal expenses to defend against legitimate claims to the property.
When do you pay for title insurance, and how long does it last?
The premium is paid once, at the closing, and is not renewed. Coverage then runs for the whole time you own the property.
Who is protected — the buyer or the lender?
Both. A policy confirms that the buyer has a clear right to ownership and protects against title problems that would otherwise fall on the owner, and lenders rely on the same protection for the mortgage they hold.
What happens if a title defect is found?
If a defect is discovered, the policy covers the legal expenses of defending against legitimate claims to the property. Before closing we also review the title insurance commitment and confirm that every party has complied with its requirements — mortgage loans, liens or court judgments — and provide the title documentation the buyer's lender needs.
When do you receive the policy itself?
After closing. At the post-closing stage all necessary documents are recorded in the public registry, and the final title insurance policy is issued together with the original recorded documents.
How a transaction runs from offer to post-closing
Most matters follow the same eight stages: offer, contract, due diligence, financing where it is needed, clearing title conditions, document preparation, closing and post-closing. Each stage and what we do in it is set out in full on our About page.
See the eight stages in detail →
Frequently asked questions
Is title insurance a one-time cost?
Yes. The premium is paid once at closing and the policy provides coverage for your entire period of ownership.
Does a title insurance policy pay legal fees?
If a title defect is discovered, the policy covers the legal expenses of defending against legitimate claims to the property.
Do you review the title commitment before closing?
Yes. We review the title insurance commitment and confirm that all parties have complied with the stated requirements — such as mortgage loans, liens or court judgments — and we provide the title documentation the buyer's lender needs.
When do I receive my final policy?
After closing. All necessary documents are recorded in the public registry, and the final title insurance policy is issued together with the original recorded documents.
Talk to an attorney about your matter
Call the office, or send a message and we will come back to you. Meetings are available at our Aventura office or online, in English, Russian or Ukrainian.