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Consumer Education

Buying real estate comes with a lot of steps, paperwork, and formalities. Obtaining owner’s title insurance is a key part to closing on a property. If you’re purchasing a home or commercial property, you may have questions regarding title insurance and the closing process itself.

Pinellas Park Title Co. is the leading provider of title insurance in Pinellas Park, FL, and the Greater Tampa-St. Petersburg region. We offer residential and commercial title insurance, for purchases and refinance and 24/7 services. To help you get a successful head start as a new property owner, we’ve provided you with the following FAQ.


What is Title Insurance?

When you buy real estate, you’re essentially taking on all responsibilities and issues tied up in the property. Title insurance protects new and insured owners against undiscovered or unresolved issues with their property.

 Let’s say you were to buy a house from owners who did not pay their property taxes. By taking on the title, you would suddenly be responsible for the unpaid taxes and legal implications. Home title insurance would protect you in a case like this or from any of the following scenarios:

  • Legal judgments
  • Unpaid construction or mortgage bills
  • Ownership disputes
  • Unknown liens
  • Undisclosed property heirs

This type of insurance also protects lenders. An insurance company will develop a policy specifically for them in accordance with the lender’s policy.

What Does a Title Insurance Company Do?

The title company runs the appropriate title and lien searches, in addition to holding escrow funds. They act as the liaison for buyers, sellers, lenders, realtors and third parties such as surveyors, insurance companies, and inspectors. Prior to closing, they put together all the pieces of the puzzle with the primary objective being to clear title and make sure all judgments, liens, and encumbrances are satisfied at closing. The title company also prepares all closing documents including but not limited to, the CD, ALTA Statements, deeds, and facilitates signing of those documents along with the lenders closing package. Finally, buyers and sellers usually gather at the title company’s office to sign and notarize all their documents.

Do I Need Title Insurance?

Federal law requires that lenders have loan policies in place; however, owner’s title insurance is not a requirement in the State of Florida.

However, it’s a huge risk to buy real estate without owner’s title insurance. For starters, lenders are at risk if the property owner faces issues down the line. Buyers are also at risk of losing their investments if they’re not protected under a title policy.

How Much Does Title Insurance Cost?

The prices for owner’s title insurance is based on the loan amount. The cost will usually entail a premium and service costs. The prices of these typically cost a small fraction of the purchase price on the property itself. Your sales contract will dictate who pays for your policy.

The more coverage you need, the higher your policy will cost. At any rate, it’s important to work out all the factors with a title insurance agent. They’ll help you with a quote for your policy. If you’re looking for owner’s title insurance in Pinellas Park, FL, and throughout the State of Florida, you can fill out a quote form today.

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Have additional questions? Contact us today!

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Pinellas Park Title Co in Pinellas Park, FL
A+ Better Business Bureau Pinellas Park Title Co in Florida


5650 Park Boulevard Suite 1

Pinellas Park, FL  33781

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Business Hours

Monday - Friday:
9:00 AM - 12:00 PM,
1:30 PM - 5:00 PM