Florida Title Insurance Explained - What Buyers MUST Know Before Closing

Florida Title Insurance Explained - What Buyers MUST Know Before Closing Featuring Guest Expert: Kirby Williams, Board Certified Real Estate Attorney And Founder of Shoreline Title LLC. If you're buying property in Florida real estate, you’ve probably heard the term title insurance, but do you really know what it protects you from? In this video, Casey Joiner discusses with Florida real estate attorney Kirby Williams of Shoreline LLC Title to break down Florida title insurance in the simplest, clearest way possible, so you can make confident decisions before closing. Whether you're a first-time buyer, a seasoned investor, or just trying to understand how title insurance works, this conversation will save you money, stress, and potential legal headaches. From forged deeds to open permits, property line disputes, survey problems, and easement issues, we cover the real situations that buyers run into and why title insurance in Florida matters more than ever. GUEST: Kirby Williams Board Certified Real Estate Attorney And Founder of Shoreline Title LLC Kirby earned his J.D. in 1997 and has practiced real estate law in Florida and Alabama ever since. Today, he helps close real estate transactions across Walton, Okaloosa, and Bay Counties, bringing decades of legal and title insurance experience to ensure every closing is handled with care, clarity, and full protection for buyers. Shoreline Title LLC - https://shorelinetitlellc.com/ CHAPTERS: 00:00 Introduction 00:36 Kirby Williams with Shoreline Title LLC 03:48 Why Should I Get Title Insurance 08:16 Permit Issues 10:59 Title Nightmares 21:08 Kirby's Title Suggestions 32:05 Conclusion ---------------------------------------- FLORIDA PROPERTY SEARCH: https://casey.scenicsir.com/ ---------------------------------------- WHAT YOU’LL LEARN IN THIS VIDEO: 1. What is title insurance? 2. Do you really need title insurance in Florida? 3. Who pays for title insurance in Florida? 4. Why lenders require title insurance 5. Cash buyers and title insurance: Should you still get it? 6. How title insurance protects you from hidden risks 7. Why surveys are critical in Florida real estate 8. What “illegal lot splits” mean for buyers 9. How beach access easements actually work 10. Real stories of title issues that could cost buyers thousands WHY TITLE INSURANCE MATTERS IN FLORIDA: Florida’s booming market, especially along the Gulf Coast and 30A, has created a sharp rise in: A. Open permits B. Encroachments C. Unrecorded easements D. Older subdivisions with unclear plats E. Properties with outdated or missing surveys Without proper title insurance Florida protection, buyers could face huge repair bills, legal disputes, or even lose ownership rights. This video explains exactly why these risks exist and how to avoid them. Whether you're a first-time homebuyer, a seasoned investor, or buying your dream beach home on 30A, title insurance is far more than just a closing formality. It’s protection for your investment, peace of mind, and future security. Partnering with trusted professionals like Kirby at Shoreline Title ensures you’re not just buying property, you’re safeguarding it. ABOUT CASEY JOINER - Casey Joiner is a Sales Associate and REALTOR at Scenic Sotheby's International Realty based out of Santa Rosa Beach, Florida. Website: https://casey.scenicsir.com/ Email: casey@scenicsir.com Call or text: 850-502-6044 LinkedIn:   / caseyjoiner   KEYWORDS THIS VIDEO COVERS: florida title insurance title insurance florida real estate title insurance explained what is title insurance title insurance in florida title insurance real estate title insurance florda does florida have title insurance title insurance florida florida housing market do i need title insurance who pays for title insurance? how title insurance works who pays for title insurance title insurance in florida benefits reasons to have title insurance