Short answer
Owner's vs lender's policies — what each covers.
Lender's title insurance protects the lender; owner's title insurance protects your equity in the home. Florida uses a promulgated rate structure.
Two policies
Lender's title insurance protects the lender; owner's title insurance protects your equity in the home. Florida uses a promulgated rate structure.
What it covers
Undiscovered liens, forged deeds, missing heirs, and other title defects that predate your ownership.
Key takeaways
- Owner's title is a one-time premium worth having.
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Sources
Program rules change and individual lender overlays apply. Verify specifics with the agency or with a licensed NexGen Capital advisor before relying on them.
Reviewed by NexGen Capital Corp
Written and reviewed by the licensed mortgage team at NexGen Capital Corp, a Florida mortgage brokerage (NMLS #1766649). Verify our license on NMLS Consumer Access.
Last reviewed: 2026
This article is educational and is not a commitment to lend or an offer of credit. Speak with a licensed NexGen advisor about your own situation.