Florida Title Insurance Services
For Every Transaction
Verified Title provides comprehensive Florida title insurance services, from owner's and lender's policies to title search, closing, curative, 1031 exchange, and commercial closings across all 67 counties.
Owner's & Lender's Title Insurance
Title insurance protects buyers and lenders from financial loss due to defects in a property's title: forged documents, undisclosed heirs, clerical errors, boundary disputes, and more. Florida law requires lender's title insurance; owner's coverage is optional but strongly recommended.
Title Search & Examination
Our title examiners research the complete chain of ownership back to original grant, identifying every lien, judgment, easement, encumbrance, and cloud on title before you're committed to the transaction.
Closing & Settlement Services
We manage the entire closing process, from preparing the settlement statement (ALTA/HUD) to coordinating with all parties, disbursing funds, and recording documents with the county. In-office, mobile notary, and Remote Online Notarization (RON) available.
Title Curative
Title defects can derail a closing: old mortgages never satisfied, probate issues, boundary disputes, missing releases. Our curative team identifies and resolves title defects before the closing date.
1031 Exchange Services
Section 1031 of the IRS Code allows real estate investors to defer capital gains taxes when selling one investment property and purchasing another. We coordinate with qualified intermediaries to ensure your exchange meets all IRS requirements and deadlines.
Commercial Closings
Commercial real estate closings involve multiple parties, complex due diligence, and high-stakes timelines. Our commercial team handles multi-party transactions, bulk purchases, entity vesting issues, and large-scale development closings across Florida.
Which Florida title insurance service applies to your transaction?
Not every closing needs every service on this page. Here is the quick guide we walk through with new clients on the first call.
What every one of these services has in common
Six services sit on this page, and every one of them runs through the same spine: the public record. The examiner reads it, the commitment reports it, the curative team clears what it turns up, and the policy insures what is left. So the differences between our Florida title insurance services are mostly differences in what the record throws at us.
A clean residential resale barely tests the process. A commercial file with an out-of-state LLC, an open construction loan, and a zoning question tests all of it at once. Still, the sequence does not change. Only the number of people who have to sign off does.
That is why we assign one coordinator per file rather than passing it between desks. The person who reads your commitment on day three is the person who explains the Schedule B-I requirement on day ten. Because nothing gets re-explained, nothing gets dropped.
What these services cost, in plain numbers
The premium is the largest line, and Florida fixes it by statute. On a $300,000 purchase the owner's policy runs about $1,575. If you are financing, the lender's policy usually issues alongside it for a $25 add-on rather than a second full premium.
The fees we actually set are the search and the settlement charge. Together they typically land between $500 and $1,000 on a residential file. Everything else on your closing disclosure belongs to somebody else: documentary stamps and intangible tax go to the state, recording goes to the county clerk, and estoppel or lien-search charges go to outside vendors.
You can confirm the promulgated rate schedule and verify any Florida agent's license through the Florida Office of Insurance Regulation. Anyone quoting you a cheaper premium is quoting something other than the premium.
When to bring us in
Earlier than most people do. The single best predictor of a closing that lands on its contracted date is how quickly the title order goes out after signing. Title problems take longer to cure than inspection items, because curing them depends on other people: a former lender, an estate attorney, a city clerk.
For a purchase, send the contract the day it is executed. For a refinance, come to us as soon as the loan is in underwriting. For a 1031 exchange, call before you list the relinquished property, since the exchange language has to be in the contract rather than added later. And for a commercial file, budget an extra week or two for the entity paperwork and the survey.
One more thing worth saying plainly. If another agent has already opened the file, you can still move it. Nothing binds you to the first company your contract named, and RESPA protects a buyer's right to choose. The transfer costs you a day at most, because the search work is re-run rather than inherited.
What you cannot transfer is time already lost. If the original agent sat on the file for three weeks, those weeks are gone, and a new search still needs its normal turnaround. So the decision to move is one worth making early rather than in the last stretch before closing.