Why Title Insurance Matters
Every property has a history. Title insurance protects owners and lenders against losses from hidden liens, recording errors, forged deeds, or undisclosed heirs—risks that surface after closing. In Coral Gables, Coconut Grove, and South Miami, RAM Law & Title, PLLC explains owner’s and lender’s policies in plain English and aligns coverage with your property type and loan. As part of our title & escrow services, we examine title thoroughly before issuing any policy.
Our Title Insurance Services
We coordinate the commitment, premium disclosures, endorsements, and final policy delivery at closing, working closely with your lender and Realtor. Our attorney reviews exceptions and requirements to reduce post-closing headaches, making sure your policy reflects the real risks of condos near Miracle Mile or single-family homes in the Biltmore area.
How You Get A Policy
First, we run a comprehensive title search and clear issues. Then, at settlement, you receive the owner’s and/or lender’s policy with the final documents. If our search uncovers problems, we address them through
title issue resolution before closing, and coordinate with our
real estate closings team to keep your timeline intact.
Frequently Asked Questions
Title Insurance
What is title insurance and do I need it in Florida?
Title insurance in Coral Gables protects owners and lenders against hidden defects—unreleased liens, fraud, recording errors, or undisclosed heirs—that could threaten ownership after closing. It’s a one-time premium that lasts as long as you own the property.
What’s the difference between an owner’s policy and a lender’s policy?
A lender’s title insurance protects the bank’s interest up to the loan amount; an owner’s title policy in Miami protects your equity and legal rights. Most buyers purchase both at closing for full coverage.
How much does title insurance cost in Florida?
Premiums are regulated based on the purchase price and loan amount, with additional fees for endorsements and closing services. A title insurance attorney in Florida will quote exact costs up front and explain any optional coverages.
Can a law firm issue title insurance policies?
Yes. A title attorney in Miami operating through a licensed title agency can underwrite and issue policies, combining legal review with insurance protection in a single, streamlined closing.
Does title insurance cover issues found before closing?
If a defect surfaces during the title search, we work to clear it before funding. The policy covers covered risks that weren’t excluded or excepted and only arise after issuance; known issues are addressed through curative work, endorsements, or contract solutions.
Claims And Legal Support When It Counts
While claims are uncommon, they can happen. If a covered title defect arises, we help you notify the carrier and pursue available remedies. If a dispute falls outside policy coverage, RAM Law & Title can advise on legal options to protect your property rights in Miami-Dade courts.