--- title: Title Insurance FAQs | Answers from Your Orlando Closing Experts | S&K Closings description: Have questions about title insurance or the closing process? Get clear, plain-English answers from S&K Closings — your trusted Orlando closing partner. --- [Skip to content](https://skclosings.net/faqs#main-content) [S&K Primary Logo](https://skclosings.net?hsLang=en) [Contact Us](https://skclosings.net/contact?hsLang=en) [Schedule a Call](https://skclosings.net/contact?hsLang=en) Toggle Menu - [About](https://skclosings.net/about) - [Services](https://skclosings.net/services) - [FAQs](https://skclosings.net/faqs) - [Blog](https://skclosings.net/blog) - [Contact](https://skclosings.net/contact) You’ve got questions. We’ve got clear answers. # FAQs Whether it’s your first home or your tenth transaction, the closing process can feel confusing. At S&K Closings, we believe clarity builds confidence. That’s why we’ve answered some of the most common questions — in plain English. ## Understanding Title Insurance ### What is title insurance? Title insurance protects you against issues with the legal ownership of your property — things like unknown liens, filing errors, or boundary disputes. It’s a one-time purchase that protects your rights for as long as you own the home. ### Do I need title insurance if I'm paying cash? Yes. Even if you don’t have a mortgage lender requiring it, title insurance still protects your ownership rights from past problems you might not know about until it’s too late. ### What’s the difference between the owner's policy and lender’s policy? A lender’s policy protects the bank’s interest in your home. An owner’s policy protects you. We recommend every buyer secure an owner’s policy to cover their investment. ## Before & During Closing ### How long does the closing process usually take? On average, a standard closing takes 30–45 days from contract to completion. We’ll keep things moving and keep you informed every step of the way. ### What do I need to bring to closing? We’ll send you a full checklist, but typically you'll need a government-issued ID and, if you're bringing funds to close, a wire transfer confirmation or certified check. ### Can I review documents before closing day? Absolutely. We want you to feel confident and informed. We’re happy to send documents in advance and answer any questions you have before signing. ## Special Situations & Problem Solving ### What happens if there’s a lien on the property? We’ll coordinate with the lienholder, confirm payoff amounts, and ensure documentation is filed correctly. Our job is to resolve it, not make it your problem. ### Can I close without a real estate agent? Yes. We frequently help clients in FSBO (For Sale by Owner) transactions, family transfers, or investor deals. We’ll walk you through everything clearly and legally. ### What if one of the owners is deceased? If the property is in a deceased person’s name, we may need to work through probate or confirm a proper transfer. We’ve helped many families navigate this — we’ll guide you through every step. ## Working with S&K Closings ### How is S&K different from other closing companies? We’re not a call center or a corporate machine. We’re a local, hands-on team that’s available evenings, weekends, and whenever you need us. Our clients don’t get passed around — they get guided. ### Are you available outside regular business hours? Yes. We’re known for our availability. We take calls after hours, answer texts on weekends, and are here when other companies are “out of office.” ### I’ve had bad experiences with closing companies in the past — how are you different? We hear that a lot — and we’ve built our business to be the opposite. That means real answers, timely communication, and a team that treats your transaction like it’s personal. ## Fees & Transparency ### How much does title insurance cost? Rates are regulated by the state of Florida and depend on the purchase price of the home. We’ll give you a clear breakdown up front — no surprise fees, ever. ### Are there any hidden charges in your closings? Never. We believe in full transparency. We’ll walk you through every line item on your closing statement so you know exactly what you’re paying for. ## Still have questions? We’re happy to help. There’s no such thing as a silly question — especially when it comes to real estate. Whether you're a buyer, seller, or agent, we’re here to give you the answers you need. [Contact Us Now](https://skclosings.net/contact?hsLang=en) [S&K Primary Logo](https://skclosings.net?hsLang=en) Get tips, updates, and stories from our team — delivered occasionally, never annoyingly. 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