Frequently Asked Questions

What is a title in real estate?

In real estate, a title is the legal documentation that proves ownership of a property. It confirms who has the legal right to use or sell a home, lot, or commercial building in Florida. However, someone other than the owner may have a legal claim or lien that affects the title. 

Why do I need title insurance in Florida?

Title insurance protects homebuyers and real estate investors in Florida from financial losses related to title defects, hidden liens, or ownership disputes. Even with a thorough title search, some issues may remain undiscovered. A title insurance policy pays for covered losses and legal defense costs. 

What can make a title defective in Southwest Florida?

Common title defects in Florida include unpaid property taxes, missing heirs, forged signatures, clerical errors in public records, or undisclosed easements. These hidden issues can surface after closing and impact your legal ownership. Title insurance ensures you’re protected from such risks in places like Sanibel, Estero, and Port Charlotte.

If the lender requires title insurance, do I still need my own policy?

Yes, The Lender’s Title Insurance only protects the lender’s interest in the property, not yours. To protect your equity, you need an Owner’s Title Insurance Policy. It covers legal fees and losses from title defects that existed prior to your purchase. If you’re buying property in Florida, this extra layer of protection is essential.

How much does title insurance cost in Florida?

In Florida, title insurance premiums are regulated and based on the purchase price of the property. It is a one-time fee, typically less than most annual homeowner’s insurance policies, and provides lifelong protection. You can use our online Title Insurance Calculator—to estimate your cost.

When should I purchase title insurance?

Start the title process as soon as your contract is signed. The earlier we begin reviewing public records, the more time we have to resolve potential issues. Whether you’re purchasing in Cape Coral or closing remotely, starting early leads to smoother closings.

Can I close remotely with American Real Title?

Yes. We offer virtual closings and online document submission, so you can close from anywhere in Florida or beyond. Our process is secure, simple, and built for your convenience.

Does American Real Title handle both residential and commercial closings?

Absolutely. With over 27 years of experience in both residential and commercial real estate, we’re equipped to handle transactions of any complexity throughout Southwest Florida.

What areas in Florida does American Real Title serve?

We proudly serve clients in the entire state of Florida.

What makes American Real Title different from other title companies in Florida?

We combine legal experience, a concierge-level service model, and a commitment to transparent communication. Our clients enjoy a peaceful, stress-free closing experience.

Do I need to attend my closing in person?

Not necessarily. We offer remote closing options and digital signing tools, which allow you to complete your closing securely from anywhere.