Why Title Insurance Gets a Bad Reputation — and Why You Still Need It.

Let’s be honest — title insurance isn’t the flashiest part of a real estate transaction. It doesn’t come with granite countertops or curb appeal, and many buyers don’t fully understand what it even does. So it’s no surprise that title insurance sometimes gets a bad rap.

But here at American Title Trust, we’re here to set the record straight — because title insurance is one of the most important protections you can have when buying real estate.

What Is Title Insurance, Really?

Title insurance is a one-time purchase made at closing that protects you against problems with the title to your property — issues that may not have been discovered during the title search. These could include:

• Unpaid property taxes

• Liens from unpaid contractors

• Errors in public records

• Unknown heirs or claims of ownership

• Fraudulent documents or forgery

In fact, according to the American Land Title Association, one in four real estate transactions involves a title issue that must be resolved before closing. Without title insurance, those issues could become your problem.

So Why Does It Get a Bad Rap?

Great question! Unlike homeowners or car insurance, which protect against future risks, title insurance is about the past. Since most issues are handled behind the scenes and claims are rare, people often wonder why they’re paying for it at all.

Here’s what’s often overlooked: It’s not just the coverage — it’s the process.Our job is to thoroughly investigate and resolve any risks before you sign on the dotted line. That’s why claims are rare — because we work hard to ensure that problems are solved before they reach you.

What Does Title Insurance Actually Cover?

If a title problem does slip through the cracks — and yes, it can happen — your title insurance will cover:

• Legal fees to defend your ownership

• Financial loss from unresolved liens

• Loss of the property due to a valid ownership claim

This isn’t just paperwork. It’s peace of mind.

Why Choose American Title Trust?

At American Title Trust, we do more than just issue title policies. We become your partner in the closing process. From coordinating with lenders and realtors to conducting thorough title searches and providing clear communication every step of the way, we’re committed to a smooth and stress-free experience.

When you work with us, you’re not just getting a policy — you’re getting a team of dedicated professionals who care about protecting your investment.

Final Thoughts

You wouldn’t skip a home inspection or a final walkthrough — so don’t skip title insurance. The reality is: if you own property, title insurance protects you from a world of hidden problems. It’s a small price to pay for such a big peace of mind.

If you’re buying or selling property in Florida, American Title Trust is here to guide you every step of the way.

Ready to close with confidence? Contact us today!

📞 888-848-5320

💻 www.amtitletrust.com

📧 Order@amtitletrust.com

📍 Serving all of Florida