Florida Statute 624.608 - Full Text and Legal Analysis

624.608 “Title insurance” defined.—“Title insurance” is:

(1) Insurance of owners of real property or others having an interest in real property or contractual interest derived therefrom, or liens or encumbrances on real property, against loss by encumbrance, or defective titles, or invalidity, or adverse claim to title; or

¹(2) Insurance of owners and secured parties of the existence, attachment, perfection, and priority of security interests in personal property under the Uniform Commercial Code.

History.—s. 106, ch. 59-205; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 83, 86, 809(1st), ch. 82-243; ss. 187, 188, ch. 91-108; s. 4, ch. 91-429; s. 1, ch. 2005-153.

¹Note.—Section 23, ch. 2008-220, provides that “[t]he Legislature finds that the Uniform Commercial Code insurance product authorized by section 1 of Chapter 2005-153, Laws of Florida, will open new markets in this state and will result in generation of new revenue for the state. Accordingly, title insurers may petition for a rate deviation as provided by s. 627.783, Florida Statutes, for the uniform commercial code insurance product. In determining whether to approve such petition for a rate deviation for the uniform commercial code insurance product, the office shall be guided by standards for national rates for the product currently being offered in other states.”

Cases Citing F.S. 624.608

Fla. Stat. § 624.608 (2026) Copy Cite Official Site Syfertize CourtListener Amendments
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·Lawyers Title Ins. Corp. v. Jdc (Am.) Corp., 52 F.3d 1575 (11th Cir. 1995).
Cited 83 times | Published | Court of Appeals for the Eleventh Circuit | 1995 U.S. App. LEXIS 13441, 1995 WL 296047
...s” viewed in fight of their purpose. 43 Am.Jur.2d Insurance § 276, at 350 (1982). Florida law defines title insurance as “insurance ... against loss by encumbrance, or defective titles, or invalidity, or adverse claim to title.” Fla.Stat.Ann. § 624.608 (West 1984)....
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Cited as authority(citing case) (2025)
phrase: "rule_authority"
Cited as authority(citing case) (2025)
phrase: "rule_authority"
Cited as authority(citing case) (2024)
phrase: "rule_authority"
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·Lawyers Title Ins. Co., Inc. v. Novastar Mortg., Inc., 862 So. 2d 793 (Fla. 4th DCA 2003).
Cited 10 times | Published | Florida 4th District Court of Appeal | 2003 WL 22799148
...Parker, 794 So.2d 616, 618 (Fla. 1st DCA 2001). Conversely, any conclusions of law are reviewed de novo. See Panama City Beach Cmty. Redevelopment Agency v. State, 831 So.2d 662, 665 (Fla. 2002); First Union Nat'l Bank v. Turney, 824 So.2d 172, 185 (Fla. 1st DCA 2001). Section 624.608, Florida Statutes (1997), defines title insurance as: "insurance of owners of real property or others having an interest in real property or contractual interest derived therefrom, or liens or encumbrances on real property, against lo...
0 red0 yellow10 green1 procedural
Cited as authority(citing case) (2020)
phrase: "rule_authority"
Cited as authorityFontaine (2014)
phrase: "rule_authority"
Cited as authority(citing case) (2012)
phrase: "rule_authority"
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·Krause v. Title & Trust Co. of Florida, 390 So. 2d 805 (Fla. 5th DCA 1980).
Cited 9 times | Published | Florida 5th District Court of Appeal
...the record. 1 Fla.Jur.2d Abstracts § 38 (1977). Absent a specific undertaking to that effect, it does not presume to insure against infirmities not of record. See McDaniel v. Lawyers' Title Guaranty Fund, 327 So.2d 852 (Fla. 2d DCA 1976). See also § 624.608, Fla....
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Cited as authority(citing case) (2025)
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Cited as authorityJen (2021)
phrase: "rule_authority"
Cited as authorityNourachi (2010)
phrase: "rule_authority"
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·FCOA LLC v. Foremost Title & Escrow Servs. LLC (11th Cir. 2023).
Published | Court of Appeals for the Eleventh Circuit
...if it had so desired. 4 Titleinsurance protects home purchasers and lenders from the risks associ- ated with defects in title, such as issues not discoverable in a title search and mistakes made in a title search. Fla. Stat. § 624.608 (defining title insurance as “[i]nsurance of owners of real property or others having an interest in real property ....
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Cited as authorityCarter (2026)
phrase: "rule_authority"
Cited as authority(citing case) (2025)
phrase: "rule_authority"
Cited as authorityDrummond (2025)
phrase: "rule_authority"
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·Secret Oaks Owner's Ass'n v. DEP, 704 So. 2d 702 (Fla. 5th DCA 1998).
Cited 1 times | Published | Florida 5th District Court of Appeal | 1998 WL 499
...itself argues, however, the key to the rule is its own terminology. If the rule meant to tie the right to seek a permit to the riparian rights referenced in the statute, it would have done so in terms far simpler than what appears in D.E.P.'s rule. [6] Cf. § 624.608, Fla....
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Cited as authorityParlato (2001)
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This Florida statute resource is curated by the attorney maintaining this site, a Jacksonville, Florida personal injury and workers' compensation attorney (Florida Bar No. 39104). Attorney Syfert regularly works with Chapter 624 in the context of insurance disputes and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.

Florida/Georgia Personal Injury & Workers Compensation

Cases Citing F.S. 624.608

·Lawyers Title Ins. Corp. v. Jdc (Am.) Corp., 52 F.3d 1575 (11th Cir. 1995).

·Lawyers Title Ins. Co., Inc. v. Novastar Mortg., Inc., 862 So. 2d 793 (Fla. 4th DCA 2003).

·Krause v. Title & Trust Co. of Florida, 390 So. 2d 805 (Fla. 5th DCA 1980).

·FCOA LLC v. Foremost Title & Escrow Servs. LLC (11th Cir. 2023).

·Secret Oaks Owner's Ass'n v. DEP, 704 So. 2d 702 (Fla. 5th DCA 1998).