Florida Statutes
Fla. Stat. § 624.608 (2025)
“Title insurance” defined.
✓ 2025 Florida Statutes — current through the 2025 Regular Session
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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.”
Notes of Decisions
Cited in 5
cases (1 in the last 5 years), 1972–2023 · leading case: Lawyers Title Ins. Co., Inc. v. Novastar Mortg., Inc., 862 So. 2d 793 (Fla. 4th DCA 2003).
Lawyers Title Ins. Co., Inc. v. Novastar Mortg., Inc., 862 So. 2d 793 (Fla. 4th DCA 2003). “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 loss by encumbrance, or defective titles,…”
FCOA LLC v. Foremost Title & Escrow Servs. LLC, 57 F.4th 939 (11th Cir. 2023). “Fla. Stat. § 624.608 (defining title insurance as “[i]nsurance of owners of real property or others having an interest in real property .”
Krause v. Title & Trust Co. of Florida, 390 So. 2d 805 (Fla. 5th DCA 1980). “See also § 624.608, Fla. Stat. (1979). In the present case, the same judge had tried the earlier access suit.”
Secret Oaks Owner's Ass'n v. DEP, 704 So. 2d 702 (Fla. 5th DCA 1998). “§ 624.608, Fla. Stat. (1995). [7] Appellant suggests this was done to avoid an "incipient rule-making" attack.”
Title & Trust Co. v. Comm'r, 58 T.C. 900 (Tax Ct. 1972). “(1967), states as follows: 624.608 Title insurance defined Title insurance is insurance of owners of property or others having an interest therein, or liens or encumbrances thereon, against loss by encumbrance, or defective titles, or invalidity, or adverse claim to title.”
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