THE NECESSITY OF TITLE INSURANCE, A REFRESHER

Nearly every closing in the State of Florida results in the issuance of an Owner’s Policy of Title Insurance. However, what title insurance actually is, what it does and does not protect against is often an issue of confusion. § 624.608, Fla. Stat., defines title insurance as follows: (1) Insurance of owners of real property or others having an interest in real property or contractual interest derived therefrom, or liens or encumbrances on real property, against loss by encumbrance, or defective titles, or invalidity, or adverse claim to title; or (2) Insurance of owners and secured parties of the existence, attachment, perfection, and priority of security interests in personal property unde

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