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What is the difference between homeowners insurance and title insurance?

Homeowners insurance covers loss or damage (from fire, vandalism, or other natural causes) to your home, other structures on your property, or personal property kept in your home. It also provides coverage for loss of use, liability, and medical expenses for accidents that occur on your property.

Title insurance protects you or a lender against financial loss from real estate title defects or liens against a property. For example, a basic owner’s policy can protect you from previous owners making a claim of ownership on the property, or a special assessment or unpaid property tax that was not found at the time of purchase.

Lisa Mollitor

Lisa Mollitor has twenty five years working with law firms as a paralegal and joined The Critzer Law Firm in 2010. In addition to work in Alabama and Florida, Lisa has training from the Florida Bar and the National Association of Legal Assistants. Acting as the firm's paralegal, she provides both technical and administrative support. She is also a member of the Northwest Florida Paralegal Association. Lisa has been a Florida Registered Paralegal since 2008. Along with diplomas in civil litigation and paralegal honors from Professional Career Development Institute, she has a Bachelor of Arts in medical administration from Huntingdon College in Montgomery, AL. Lisa is also a Licensed Title Agent appointed by Old Republic National Title Insurance Company as well as a Florida Real Estate Agent with World Impact Real Estate. Her education and experience provide the Firm's escrow and closing clients with the knowledge and skills of someone who knows both sides of the closing table. She currently serves on the Governing Board for the Women's Council of Realtors - Emerald Coast Chapter as its newsletter editor. In her spare time, Lisa is a Founding Director of Alaqua Animal Refuge and a previous member of both National Society Daughters of the American Revolution and United Daughters of the Confederacy. She and her daughter Meri Kate enjoy reading, traveling, genealogy, caring for their pets and improving the lives of all animals they encounter.