Title Insurance protects you against losses due to pre-existing defects in the title to the property and expenses in legal defense.

Your ownership is authenticated and will be promptly defended against any claims in court, if necessary, at no cost to you, whether a claim is valid or not.

If a valid claim is made against your title as covered by your policy, the title insurer protects you by bearing the cost of settling the claim should it prove valid, in order to protect your title and keep you in possession of your property or mortgage.

A title search is a detailed examination of the historical records concerning a property. These records include deeds, court records, property and name indexes, and many other documents. The purpose of the search is to verify the seller’s right to transfer ownership, and to discover any claims, defects and other rights or encumbrances on the property.

The Florida Department of Insurance regulates the rates that title insurers can charge consumers.

The Florida Promulgated Rates for an owner’s title insurance policy are as follows:

$5.75 per $1,000 of value for the first $100,000.00

$5.00 per $1,000 of value thereafter for purchase prices up to $1,000,000.00

Please contact us for rates for owners or loan policies above $1,000,000.00.

For as long as you remain the owner of the property, you are covered by the Owners Policy. Also, retaining your owners policy may entitle you to Re-Issue credit. If you sell your home in three years from purchase, or refinance anytime you own the property, Dockside Title will give a reissue rate on your owners policy.

Yes! Dockside can prepare the necessary documents in these transactions to give secure title both buyers and private lenders.

The Loan (or Lender) Policy covers only the Lender against unknown title defects, buyers will need to get an owners policy simultaneously with the Lender Policy to be protected.

Cash transactions are not required a property survey. Mortgage transactions and refinances are required to have a property survey to issue a Florida Form 9 on the lender policy. Contact Dockside for a list of recommended surveyors.