The Critical Importance of Title Insurance in Multi-Million Dollar Real Estate Deals

Why Buyers in Key Biscayne Should Never Close Without It
By Bianchi Fasani Green Law PLLC – Real Estate & Title Insurance Attorneys in Key Biscayne and Miami

What Is Title Insurance and Why It Matters

When purchasing any property, especially in high-value markets like Key Biscayne, ensuring that the title is clean and free of defects is essential. Title insurance protects buyers and lenders from hidden issues—such as old liens, forged deeds, boundary disputes, or unpaid taxes—that might not surface in a standard title search.

Unlike traditional insurance that protects against future events, title insurance covers past risks that may threaten your ownership after closing.

High-Value Real Estate Comes with High-Risk Surprises

Multi-million-dollar transactions in luxury markets carry higher stakes and more moving parts. A $5 million waterfront condo with a prior owner’s unpaid contractor lien? That lien could stall your transaction—or worse, stick you with a hefty bill.

Title insurance is your defense against this. In Miami and Key Biscayne, properties often pass through multiple owners, trusts, or foreign entities—each of which can introduce risk.

Real Examples: Title Issues in South Florida

While many stories remain confidential, real estate professionals in Florida have repeatedly encountered:

• Surprise liens filed days before closing
• Undisclosed easements affecting property use
• Old mortgages that were never properly satisfied
• Condo board disputes over past unpaid assessments

Even in upscale communities like Key Biscayne, such issues have delayed or derailed closings—costing buyers and sellers tens or hundreds of thousands of dollars in damages and legal fees.

How Title Insurance Protects You

Title insurance ensures:

• You’re protected from unknown claims that surface after closing
• The seller has clear authority to transfer the property
• You won’t be held liable for prior owners’ debts or legal issues tied to the property
• In case of litigation, your insurer and legal team handle the dispute

Without it, even the most beautiful home in Key Biscayne can become a litigation nightmare.

Why Work with Attorneys and Not Just Title Companies

Most title companies are not law firms. They perform a search and issue a policy—but may not fully understand or explain legal risks in the title chain.

At Bianchi Fasani Green Law PLLC, we go further:

• Our attorneys personally review every title report;
• We provide legal advice tailored to your ownership structure, family needs, and risk tolerance;
• We operate our own title agency, ensuring seamless, attorney-driven closings;
• We’ve helped many families in Key Biscayne navigate complex purchases involving trusts, foreign spouses, and multiple title defects

Bianchi Fasani Green Law – Protecting Buyers in Key Biscayne

Our firm is based in Key Biscayne and Miami, and we specialize in helping high-net-worth buyers protect themselves when purchasing real estate. Whether you’re buying a condo, a waterfront home, or an investment property, title insurance backed by real legal review is essential.

We’ve seen how deals can fall apart without the right protection—and we make sure our clients never experience that.