SHEMTOV TITLE

The authority for answering your title questions

WHAT IS A TITLE SEARCH?

A title search is a standard part of the home buying process involving the review of public records to uncover issues that could prevent your right to the property.  Shemtov Title works with external examiners to conduct multiple searches of public records to see if there are problems or defects that could cause you legal issues. This search is updated many times during the closing process.

WHAT IS TITLE INSURANCE?

If you’re buying a home, title insurance is a policy that protects your investment and property rights from ownership claims by other parties. As a seller, providing title insurance to your buyer protects you and your heirs from future legal action.

WHAT IS TITLE?

Title is the legal ownership or right to your property.

THE FAQS OF TITLE INSURANCE FOR HOMEBUYERS

There are two different types of title insurance: owner’s policy and lender’s policy.
1 An owner’s policy protects your property rights for as long as you or your heirs own the home. In Lee County, sellers typically pay for the owner’s policy. 
A lender’s policy is usually required by the lender and protects the lender’s financial interest in the property. The buyer pays for this policy.

WHY SHOULD I PURCHASE OWNER’S TITLE INSURANCE?

Purchasing owner’s title insurance is the best way to protect yourself from future legal claims related to this property. Our blog discusses situations where title insurance either protected an owner, or could have protected an owner, from unfortunate situations.  

HOW LONG AM I COVERED?

Your owner’s insurance policy lasts as long as you or your heirs own your property.

WHAT DOES OWNER’S TITLE INSURANCE COST?

Title insurance rates are set by the state of Florida, and average around 0.5% of the property’s sales price. Please feel free to contact us for a quote.

WHAT HAPPENS AT SETTLEMENT?

The legal documents are signed and recorded, and the buyer receives the keys to the property.

Resources

Resources from The Title Matters Blog!

How Title Insurance Protects Homeownership

How Title Insurance Protects Homeownership

Title insurance, unlike auto or health insurance, works under the theory of risk elimination – rather than compensate *after* an issue arises with ownership of a property, we work to identify and clear those issues before a property changes hands. Title companies...

In The News: Support For The TRID Improvement Act

In The News: Support For The TRID Improvement Act

Tuesday, March 13, 2018 Association lends support to title insurance legislation The American Land Title Association (ALTA) has announced its support for the TRID Improvement Act, a bipartisan approach to improving the title insurance purchasing process for buyers of...

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Contact

Phone

239-703-7797

Fax

844-598-3841

Email

info@ShemTovTitle.com

Address

1113 SE 47th Terrace, Suite 5
Cape Coral, Florida 33904

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