05/29/2026
Most homebuyers in South Florida don’t know this until they’re already at the closing table.
Your homeowner’s insurance only protects you from things that happen in the future. What it won’t cover is anything that surfaces from the property’s past, a lien a previous owner never paid off, a forged deed, an heir with a claim on your home.
That’s what owner’s title insurance is for.
✅ Covers issues from the property’s past
✅ One-time payment at closing, never again
✅ Protects you for as long as you own the home
One thing most people don’t realize, your lender’s title insurance only protects the lender. Not you. Owner’s title insurance is the policy that actually has your back.