Our Services

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.

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Owner's & Lender's Title Insurance

One-time premium. Lifetime protection.

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.

What's Included
✓Owner's policy protects your equity permanently
✓Lender's policy satisfies mortgage requirements
✓One-time premium — no ongoing payments
✓Underwritten by nationally recognized carriers
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Title Search & Examination

Know exactly what you're buying.

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.

What's Included
✓Full chain-of-title research
✓Lien, judgment, and encumbrance identification
✓HOA estoppel coordination
✓Tax lien and municipal lien verification
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Closing & Settlement Services

Coordinated, transparent closings on your schedule.

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.

What's Included
✓ALTA settlement statement preparation
✓Escrow and fund disbursement
✓Document recording with county clerk
✓Mobile notary and RON available statewide — authorized under Florida Statute 117.265
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Title Curative

We fix title problems so closings don't fall apart.

Title defects — old mortgages never satisfied, probate issues, boundary disputes, missing releases — can derail a closing. Our curative team identifies and resolves title defects before the closing date.

What's Included
✓Satisfaction of old liens and judgments
✓Probate and estate issue resolution
✓Quiet title coordination
✓Boundary and survey dispute support
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1031 Exchange Services

Defer taxes. Maximize your investment.

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.

What's Included
✓QI coordination and documentation
✓45-day identification period support
✓180-day exchange timeline management
✓Simultaneous and delayed exchange handling
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Commercial Closings

Complex transactions. Precise execution.

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.

What's Included
✓Multi-party transaction coordination
✓Entity vesting and LLC/trust closings
✓Commercial title insurance
✓Development and bulk purchase closings
How to Choose

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.

Buying a home
Owner's policy is optional but strongly recommended. Lender's policy is required if you are financing. Florida law fixes the premium, so the cost is the same no matter which licensed agent issues it.
Selling a home
Outside of Miami-Dade, Broward, Sarasota, and Collier, the seller traditionally pays the owner's premium. You will also need a clean title search and any curative work resolved before closing.
Refinancing
You need a new lender's policy. If your last policy was issued within the past three years, ask about the reissue rate — it can save up to 40 percent on the premium.
1031 exchange
You need a qualified intermediary and a title company that knows the 45-day and 180-day deadlines. Bring us in early — at the time you list the relinquished property, not after it goes under contract.
Cash investor purchase
An owner's policy is still strongly recommended. Title defects do not care whether you paid cash; an unrecorded lien on the property can become your problem the day after closing.
Commercial transaction
Commercial closings need extended-form coverage, entity vesting review, and often a separate UCC search. Senior coordinators handle these files from day one.
Common Questions

Florida title insurance services — FAQ

Is title insurance really required in Florida?
Lender's title insurance is required for any property purchased with financing. Owner's title insurance is technically optional, but every Florida real estate attorney we work with strongly recommends it. The one-time premium is small compared to what an undiscovered title defect can cost later.
How much do Florida title insurance services cost?
The title insurance premium itself is fixed by Florida law — about $1,575 for a $300,000 owner's policy. Closing services, title search fees, doc stamps, and recording fees are additional. Your closing disclosure itemizes every line so you see exactly what is what.
What is the difference between title search and title insurance?
The title search is the research that finds out who owns the property and what is recorded against it. Title insurance is the policy that protects you if something the search missed surfaces later. You need both — the search is the diligence, the policy is the safety net.
Can Verified Title close my deal if the property is outside Palm Beach County?
Yes. We are licensed in Florida and close transactions in all 67 counties. Recording happens at the county clerk's office for the county where the property sits — we coordinate that side regardless of where the property is.
What is the reissue rate on Florida title insurance?
If you are refinancing or buying a property where the prior owner's policy was issued within the last three years, the new policy can be issued at a reduced rate — sometimes 40 percent off the standard premium. Ask your coordinator to check whether your transaction qualifies.
Do you handle for-sale-by-owner Florida transactions?
Yes. FSBO closings work the same way as agent-listed transactions on our end — same title search, same commitment, same closing process. The difference is that the buyer and seller communicate directly without agents, so our coordinator picks up some of the project management.