General Questions
What is title insurance?
Title insurance is a type of coverage that protects property owners and lenders from financial loss caused by problems with a property's title. These problems can include liens, claims or other issues that were not found during the initial title search and review.
What does a title search look for?
A title search reviews public property records to find the ownership history, liens, judgments and other items that could affect the title.
How long does a title search take?
How long it takes depends on the property and location. Contact us for a time estimate based on your specific deal.
What happens if a title problem is found?
Our team will look into the issue and explain the options available to fix it so the deal can move forward.
Title Insurance Questions
How much does title insurance cost in Florida?
Title insurance costs in Florida are set by state rules and are based on the property's purchase price. You pay once at closing and the coverage lasts for as long as you or your heirs own the property. View our full Florida promulgated rate table or contact Level 10 Title for a price estimate based on your specific deal.
Who pays for title insurance in Florida?
In Florida, who pays for title insurance is usually worked out between the buyer and seller in the purchase agreement. Contact us to learn how this works for your deal.
Do I need owner's title insurance?
Owner's title insurance can protect a homeowner from covered title-related risks. Talk to our team to find out how it applies to your deal.
What is the difference between owner's and lender's title insurance?
A lender's policy protects the mortgage lender's interest and is usually required for the loan. An owner's policy protects your equity and ownership in the property.
Title Search Questions
What is a title commitment?
A title commitment is a document that lays out the conditions under which a title insurance policy will be issued. It lists the requirements that must be met and what is not covered before closing.
What is a lien?
A lien is a claim or charge placed on a property to make sure a debt or obligation gets paid. Common liens include mortgage liens, tax liens, mechanic's liens and judgment liens. Liens usually need to be cleared before a property can have a clean title.
What are title exceptions?
Title exceptions are matters affecting the property that are not covered by title insurance. These might include easements, restrictions, mineral rights or other recorded interests that are not defects but could affect what you can do with the property.
Closing Questions
What closing costs should I expect?
Closing costs usually include title search fees, title insurance premiums, settlement charges, recording fees and taxes. Contact us for a full cost breakdown based on your deal.
Can you handle a cash purchase?
Cash purchases are often completed without a mortgage lender. Give us the property details and we will explain the closing steps.
Do you handle For Sale By Owner transactions?
We provide title and closing help for qualifying For Sale By Owner deals. Contact us to go over your transaction.
Do you handle commercial transactions?
Yes. We provide title and closing services for commercial properties, investment properties and complex deals throughout Palm Beach County.
What areas do you serve?
We provide title and closing services across Palm Beach County, including Palm Beach Gardens, Jupiter, North Palm Beach, Tequesta, West Palm Beach and nearby communities.