Title Insurance
A title insurance policy protects your ownership against problems that were already on the record the day you bought, even when nobody could have found them in time.
Real estate changes hands on the strength of public records, and those records are rarely perfect. A forged signature three owners back, an heir nobody knew about, an unreleased mortgage, a contractor's lien filed late. Any one of them can surface years after closing and put your ownership in question.
Atlas issues both owner's and lender's policies. The owner's policy protects the buyer's equity for as long as they hold the property. The lender's policy protects the financing. We examine the chain of title first, clear what we can before closing, and insure the rest.
What’s included
Owner's policy
Protects the buyer's equity against covered title defects for as long as they own the home.
Lender's policy
Required by most lenders, it protects the loan amount against the same covered risks.
Curative work
We resolve liens, releases, and recording gaps before they reach the closing table.
Who it’s for
Buyers financing or paying cash, lenders protecting a new loan, and owners refinancing who need a fresh lender's policy.
Common questions
- Do I really need an owner's policy if the lender already requires one?
- The lender's policy only protects the loan. If a covered title problem surfaces, the owner's policy is what protects the money you put into the home. It is a one-time premium paid at closing for coverage that lasts as long as you own the property.
- When is the premium paid?
- Title insurance is a single premium collected at closing, not an ongoing bill. Florida sets the promulgated rate, so the owner's premium is based on the purchase price.
Ready to open a file?
Call Atlas and we will open your file the same business day.