"John at AquaRK Title is professional, organized, and communicates clearly every step of the way. He's straight-forward and gets things done!"
Russell Hale· Google
Florida Title Insurance
Florida Title Insurance, Issued Under Attorney Supervision.
Florida title insurance protects your ownership against the past — undiscovered liens, missing heirs, forged deeds, recording errors, and a long list of risks no title search can guarantee 100% against. AquaRK Title Services issues both owner's and lender's policies under Florida promulgated rates, with attorney review on every file.
Florida is a promulgated-rate state. That means every licensed Florida title insurance underwriter must charge the exact same premium for the same liability amount — by law. So choosing a title company in Florida is never a fight over the title insurance premium. It's a fight over who actually does the work behind that premium: the search, the curative, the closing, the disbursement, and the post-closing follow-through. That's where AquaRK is different.
Owner's title insurance vs lender's title insurance.
A lender's title policy protects the bank for the amount of the loan and lasts only as long as the loan. An owner's policy protects the buyer for the full purchase price for as long as the buyer (or their heirs) owns the property — and it's a one-time premium paid at closing. On almost every Florida purchase, AquaRK strongly recommends an owner's policy. The cost is modest relative to the protection, and it's the only line item at closing that protects you from problems that originated before you ever owned the home. Read more in our guide to owner's vs lender's title insurance in Florida.
What's covered by a Florida owner's title policy.
A standard ALTA owner's policy issued in Florida protects against losses from defects in title that existed before the policy date but were unknown at closing — including forged signatures in the chain, undisclosed heirs, missing spousal joinders, recording errors, mechanic's liens that weren't yet recorded, encroachments revealed by survey, and even some forms of fraud. Enhanced policies and endorsements can extend that coverage further. AquaRK reviews every transaction to recommend the right combination.
Florida promulgated title insurance rates.
Premiums in Florida are set by the Florida Office of Insurance Regulation. The first $100,000 of liability is charged at one rate, with reduced rates above that — and a reissue rate (typically 60% of standard) is available when refinancing within a defined window of the prior owner's policy. AquaRK quotes every premium transparently using the same calculator we use internally. Run your numbers any time on our Florida closing cost calculator.
Issued by an attorney-led firm since 2006.
Bryan Kiefer, Esq. has practiced Florida real estate law since 1992 and personally supervises the issuance of title insurance on every AquaRK file. Our agents work directly with multiple national underwriters, so we can match the right policy to the right transaction — luxury 30A purchase, Destin condo, Sandestin resort, raw land, or commercial. Whether you're closing in Santa Rosa Beach, Rosemary Beach, or anywhere along 30A, the policy is issued under attorney supervision.
What's included.
Owner's and lender's policies at promulgated Florida rates.
Attorney review of every commitment, exception, and endorsement.
Reissue-rate eligibility flagged automatically on refinances.
Direct relationships with multiple national underwriters.
Enhanced policies and endorsements for luxury and complex files.
Wire-fraud prevention protocols on every disbursement.
What clients say.
"Wendy Lewis is a superstar and has closed close to a billion dollars in sales for me. She is hands down, the best."
Jonathan Spears· Google
"The only title company I would use. Prompt, courteous, accurate. I've closed with Wendy and AquaRK many times and she is the best!"
Alissa Clifton· Facebook
"Our experience with AquaRK was wonderful! Wendy was absolutely great to work with. Knowledgeable, professional and very efficient with her job!"
Susie Gossett· Google
Frequently asked questions.
Do I really need owner's title insurance in Florida?+
Strictly, no — it's not legally required. Practically, almost always yes. The premium is paid once at closing and protects you (and your heirs) for as long as you own the property against title defects that existed before you bought it. Many of the most expensive title claims involve issues no search can detect, like forged signatures in the chain or undisclosed heirs.
Why are Florida title insurance rates the same at every company?+
Florida is a promulgated-rate state. The Florida Office of Insurance Regulation sets the premium every licensed underwriter must charge for a given liability amount. The premium is the same — what differs is the title agent's process, attorney supervision, communication, and curative ability.
What is the Florida reissue rate?+
When you refinance within a defined window of your prior owner's title policy, you may qualify for the reissue rate — typically 60% of the standard premium on the lender's policy. AquaRK confirms eligibility when you provide a copy of your prior owner's policy.
Who pays for Florida title insurance — the buyer or the seller?+
By long-standing custom in most of Florida (including Walton County), the seller pays for the buyer's owner's title insurance policy. The buyer pays for the lender's policy if they are financing. This is customary, not statutory — it can be negotiated in the contract.
Can AquaRK issue title insurance for commercial or vacant land transactions?+
Yes. AquaRK issues title insurance for residential, luxury, vacation rental, vacant land, and commercial transactions throughout Florida.
Talk to AquaRK Title Services.
Attorney-led Florida title and escrow since 2006. Get a transparent quote in minutes.