Why Florida Buyers Should Never Skip Owner Protection

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Closing on a Florida home involves a mountain of paperwork, and buried in that stack is a decision that could define your financial future. Many buyers assume the lender’s title insurance policy covers them, too. It doesn’t. That policy protects the bank’s investment, not yours. Without a separate owner’s title insurance policy, your largest asset is exposed to risks that even the most thorough title search can miss.

Benefit Title Services helps Florida buyers understand exactly what an owner’s policy covers and why skipping it is one of the most expensive mistakes you can make at closing. Read more

Why Every Homeowner Needs Flood Insurance

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You may think that flood insurance is only a priority if you live near the Florida coast, but the truth is that every homeowner should carry some form of flood insurance for protection. Even without the ocean nearby, heavy rains, overflowing rivers, levee failure, and other unexpected problems can lead to flooding concerns nearly anywhere. Learning about the importance of flood insurance and obtaining it from a reliable source can make all of the difference in an emergency situation.

Flood Zones Vary By Location

Flooding is a common natural disaster in the United States, which is why FEMA uses a flood hazard mapping program to identify the risk of flooding in a specific area. Everybody technically lives in a flood zone, but the true risk of flooding varies by location. Nearly 20 percent of all flood insurance claims actually originate from homeowners living in low-risk flooding areas, which proves that no home is completely safe from flooding. Flash floods, melting snow, broken dams, and a number of other unexpected issues can all lead to flooding. Read more