Do You Need Title Insurance When You Buy Land?

by Laura Mueller

You always want to be as protected as possible with any real estate investment that you make. For that reason, it makes sense to look into title insurance when you’re purchasing land. But what is title insurance, and how does it help protect you and your investment? Here’s what you need to know.

What is Title Insurance?

Title insurance is protection against title defects. The title itself is documented proof of ownership and the seller’s right to both possess and sell a particular piece of property. When you buy land, you buy the title, and are from then on the one with those rights.

In a perfect world, all land sales would go smoothly and no seller would mislead a buyer either intentionally or unintentionally. In the real world, however, things happen, and sometimes a title doesn’t turn out to be legitimate. And occasionally, buyers don’t find that out until after the investment has been made and the allegedly legitimate title has been transferred.

Here’s where title insurance comes in. If you have it, you don’t have to worry about losing the investment that you’ve put into a property if it turns out that it was not actually within the seller’s rights to list and sell it. It comes in handy in instances of ownership disputes, as well as in circumstances where the seller had a lien, unpaid taxes, or another property issue that should have prevented them from selling.

Do note that title insurance is different from mortgagee title insurance, which your lender will require you to purchase. Mortgagee title insurance protects your loan provider from title defects, while title insurance protects you.

Cost of Title Insurance

The price of your title insurance will vary depending on who you purchase it from. In general though, expect to spend about 0.5% to 1% of the amount you have agreed to purchase the property for. Even if you’re not keen to add another closing cost to your sale, it’s a small price to pay for the protection that you get. If you’re in a strong market position, you may be able to get the seller to cover the cost of your title insurance (mortgagee title insurance, however, is always the responsibility of the buyer).

Don’t Forget to Do a Title Search

Another key task in protecting yourself against title defects is to perform a title search before closing on the deal. The title insurance company you plan to use should do this for you, but if they don’t, talk to your real estate agent about other ways to have the title search done. This search will reveal whether there are any hidden title defects that you need to know about, and will ensure you get this information prior to making a considerable investment.

So, Title Insurance: Yay or Nay?

It is almost always going to be a good decision to spring for title insurance, whether you end up needing it or not. Even if a comprehensive title search doesn’t turn up anything suspicious, title insurance ensures that you will have nothing to worry about and that your assets are safe. When in doubt, the more protection you have, the better.

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Buying land can be a very smart investment with long-term benefits if you do your due diligence and market research. Florida has always attracted people looking for sunshine, beaches and a place to retire or bring the kids.  Here are some of the benefits of buying land in Florida.

No Income Tax

If you decide to buy Florida land, one of the benefits is you won’t have to pay any income tax. Florida is one of several states that doesn’t collect an individual income tax. If you’re someone just getting your foot into the real estate game, this may be helpful for you to save some extra money after purchasing a property and becoming a Florida resident.  Keep in mind, however, that they do charge property tax and sales tax so make sure you understand all of the tax implications before making your move.

Better Chance for Investment Return

If you plan on buying and moving to Florida, it’s usually a good idea because Florida will always be attractive to snowbirds looking for a place to escape the cold.  If you invest wisely you should get a good return on your investment in the long term.  Just make sure to do your due diligence, find a reputable real estate agent and don’t get talked into buying any swamp land.  Just like anywhere else in the country the main rule in real estate is location, location, location.

Have Future Options

If you are not yet ready to make the move to Florida, you could always buy vacant land and develop it at a later date.   You’ll have time to think about the things you want to do rather than rush into it and, depending on the local zoning laws, you may be able to visit the property while staying in a recreational vehicle.  You always want to check and understand the local zoning laws to make sure you will be able to use and develop the land as you wish.

Additionally, make sure you understand the construction costs and what it will take to build your Florida property.

Whether you’re building something long-lasting or a quick flip, buying property in Florida could be a good move for your future when done properly.

Partnership brings easy access to drone-less digital imaging for rural real estate

For immediate release

(Tucson, Arizona) July 7, 2021: LandHub, an Arizona-based website exclusively specializing in the purchase and sale of land across the United States and select international locations, and Aerial Solutions, a company specializing in drone-less ultra-high resolution aerial imaging and videos, are pleased to announce that they are partnering to bring the best property marketing solutions to land owners across the United States.

“We specialize in high-quality drone-less photos and videos,” explains Michael Feld, CEO of Aerial Solutions. “Most of our clients want to sell property which is difficult to capture images of using traditional techniques. If a property is close to an airport, FAA rules don’t allow drones in the area. If a property is quite large, a drone’s altitude restriction won’t allow for the full perspective of the land to be taken in one all-encompassing image. Often our clients simply don’t want to go through the hassle of scheduling a drone shoot of their property. Whatever the reason may be for not wanting to use drones, our service provides the best solutions. We can capture images without the use of drones and create fully customizable videos in a short amount of time. The images and video can then be added to the property listing very easily. Having those images and videos makes a world of difference when it comes to attracting buyers.”

The partnership between the two companies will form a one-stop-shop for landowners who are looking to buy and sell property and order high quality videos for their listings. LandHub is one of the most popular rural real estate websites and one of the few sites that specializes exclusively in land sales. The use of high-quality aerial images to market real estate will attract even more buyers to the site. The images will also be used to attract buyers on social media thanks to LandHub’s unique marketing service.

“Making property stand out is difficult when you can’t rely on beautiful videos,” explains Kevin May, President of LandHub. “To make listings stand out, a seller needs beautiful videos and photos that communicate the scale of the land, the property boundaries, surrounding land, lakes or rivers and how beautiful the topography is. Having these incredibly detailed videos that Aerial Solutions creates allows the listing to come to life. The videos communicate the potential that the land has far more than any written description. We can say that there’s a stream nearby or that the land is at the foot of a mountain, but to see those things in full color detailed video, along with our system of using social media and our powerful website, is what sells the land.”

For more information about LandHub, please visit For additional information about Aerial Solutions please visit
For the latest property listings and real estate news, please follow @landhub on Instagram.


For more information, or to arrange an interview, please contact:
Kevin May, President –

Michael Feld, CEO – Aerial Solutions
(443) 440-6130 ext. 613.

by Laura Mueller

The heat of summer is on its way, and with it, some special concerns that you’ll want to be aware of as you maintain (or improve) your vacant land.

Owning a vacant plot doesn’t usually require much work on your end, however it’s still important that you take proper steps to keep it in the best condition possible—especially if you’re planning to eventually develop or sell the property. With that in mind, here are some quick tips on how to care for your vacant land during the summer season.

Do some general landscaping

You don’t need to do a complete land improvement, but you should undertake some basic landscaping tasks to ensure that your land doesn’t get out of control during the warm months, and that it’s less prone to wildfires. This may include trimming your trees and bushes back, mowing the grass, and possibly doing some strategic planting—especially if you’re concerned about boundary lines or potential trespassers.

Take on those weeds

Speaking of landscaping to-dos, practicing routine, preventative weed control each summer is a whole lot easier than dealing with a major weed issue later on. Mowing and cutting will go a long way toward keeping weeds at bay, as will establishing competitive vegetation that slows down or prohibits the growth of weeds in the first place. If you opt for a chemical control method such as herbicides, just be sure to choose a product that won’t harm the surrounding plant life.

Keep pests under control

Vacant land isn’t actually so vacant when you consider how many pests are calling it home. Most bugs and rodents are perfectly safe to have on your land—and many are even quite beneficial—however you’ll want to be aware if your property is experiencing excessive rates of not-so-great pests like mosquitos or wood-boring insects. Bring in a professional if you’re worried, since they’ll be able to source out any pest problems and direct you on your best next steps.

Check for water issues

Summer means rain, and rain could mean serious property damage if you’re not paying attention. Keep an eye out for lingering drainage issues, such as large areas of standing water. Depending on the circumstances, these can lead to soil contamination, or they may speak to other, more extensive issues that you’ll need to take care of.

Make improvements

If you’re planning on making improvements to your vacant land, then summer is a great time to do it. Add in access roads or utility lines, do some of that aforementioned landscaping, and get to work on building any structure(s) that you have in mind. You don’t need to cram everything in to one summer, but the warmer months are certainly worth taking advantage of since you won’t have to be concerned about frozen ground or heavy snowfalls causing delays in your plans.

Just as summer is a great time to improve your vacant land, it’s also a great time to make a vacant land purchase. If you’re thinking of entering the land market or expanding your current portfolio, there’s a good amount of inventory currently available—plus much better weather for touring, surveying, and making sure you get exactly what you’re looking for.

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By Caroline Kirby

Over the last year, you may have seen articles, interviews, reports, and even friends talking about swapping the city for rural areas. Whether that’s because their jobs are now allowing for more flexibility and the option to work remotely or they simply want to get out of the crowded cities, there are plenty of obvious reasons why heading out of town and into the country is a good idea.

However, pandemic or not, there are tons of benefits to moving to a rural area or at the very least investing in rural property. Curious if this is the right move for you? Here’s a quick look at some of the top benefits of buying rural property.

Should you invest in rural property?

Smaller populations, more space, slower pace of living, and greater accessibility to nature are some of the most common reasons people cite for looking for rural land. Here are some of the benefits you may not have considered:

1. Greater flexibility for developing: When you compare property development restrictions found in big cities, it’s a no-brainer that you have more flexibility to develop in rural areas. This means you could list your property without the headache of strict listing regulations, or you have more options when it comes to extending land.

2. Cheaper price points: Although admittedly, the COVID-19 pandemic may have led to a spark in the purchasing of rural properties, it certainly won’t cost you near as much as urban properties. This could allow you to even be able to purchase multiple properties.

3. More bang for your buck: It likely goes without saying, but the acreage you can purchase in rural areas is well over anything you’ll find in a more populated community. Your investment money can go a long way with rural properties.

Ready to see what rural properties are out there? Check out’s current listings to see what rural land is available now.

Investing in rural property requires special considerations.

While there are many advantages to investing in a rural property, if it’s your first time buying land out of the city, you should be aware of some critical factors. While it’s nothing to be worried about, there are some characteristics of rural properties that may influence your decision.

• Pay special attention to the area’s economy. Depending on what you’re purchasing your rural property for, you will want to do your research on what the local economy is like. Is the area only supported by one industry? If so, that may be a risky investment.

• Get familiar with local pests and diseases. If you are hoping to purchase rural property to raise livestock or build a farm, you will definitely need to be aware of what the disease and pest management situation is in the area.

• Get a feel for the surrounding community. Again, depending on what you hope to do with your property, you may want to take some time to do your research on the local community. While some rural areas have strong and active community centers, events, and a sense of sharing, other areas are more reserved and may feel “sleepy” compared to what you’re used to.

Buying a rural property can be a smart investment and a great opportunity for various reasons. Use the information above as a guide to deciding if investing in rural property makes sense for you.

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Buying a house, condo, or any real estate property is one of the most significant financial decisions you will make in your life.

Why? Because buying a real estate property can impact your finances and lifestyle for many years.

In case you do not know, buying any property does not end with just a downpayment. You have to pay monthly mortgage and land taxes, among others.

If these are not well-taken care of, you might end up bankrupt and homeless.

Hence, before you buy any real estate property, you need to consider the following factors:

Type of Property

Before you buy any property, you need to consider what type you would like to have:


Residential properties are meant for living. It is considered the safest real estate property to invest in.

Commercial, Retail, and Industrial

These are any properties that are meant for business. They can be expensive but offers a hefty profit margin.

The only caveat is that it has a high-risk of vacancy. More so, now that there is a pandemic and business operations are limited.


Where your property is situated is perhaps one of the most critical factors you should consider.

For one, it can affect your lifestyle. Living in an exclusive subdivision, for example, could mean that you will need to have a car for ease of transportation.

Another reason is that location can affect the cost of real estate properties. Commercial and urban areas are more expensive than buying a property in a rural area.

Moreover, your property’s location will be a great asset, no matter how the market fluctuates. This means that an unkempt house in a good area can still be worth the purchase. Luckily, there are websites like wherein you can search for properties based on location and types.

Nearby Institutions

In relation to the location, you should also consider nearby institutions. This can be your office, school, mall, grocery, farmer’s market, and church.

Here’s the thing: Living in a place where everything is nearby can help you save transportation money. You can also save time because you will less likely be stuck in traffic.

This means more money and time that you can spend for you and your family.

The key here, though, is considering the thing that matters to you and your family. That’s because, for someone who lives alone, his priorities may be different from a family man.


Once you are settled with the location, the next thing you should look into is the neighborhood.

Checking out the neighborhood gives you an insight into the people’s lifestyle.

Is the place family-friendly? Do most of them own a car or commute to work? Where do the majority of kids go to school? Is the neighborhood quiet enough that you can work-from-home in peace?

Moreover, it would be better if you meet some of the neighbors. That’s because they have first-hand experience of the facilities and people living in the area.

They can also help you if you have concerns about the homeowner’s association.


Speaking of the neighborhood, you might also want to consider its safety. In particular, you should look at the neighborhood’s crime rate.

Luckily, such information is available online.

Doing so is an excellent way to invest in you and your family’s safety. Plus, a crime-filled neighborhood is not a worthy investment and can lead to property depreciation.

Property Valuation

Depending on your purpose of buying a real estate property, it is also vital to look at the property valuation. It is the process of forming an opinion on how much a house, apartment, or condo can cost.

Some of the standard real estate valuation are:

  • Sales Comparison Approach: Compare how much a property costs versus other properties of similar types within the area.
  • Cost Approach: The cost of land and construction, minus depreciation.
  • Income Approach: How much you can earn in case you want to rent or sell your property in the future.

Green Open Space

According to the World Health Organization, air pollution kills an estimated 7 million people worldwide annually. Hence, it is advisable to look for a property that has a green open space.

Before settling with a downpayment and signing over the dotted line, take the time to stroll in the neighborhood. Look at how the houses are landscaped, whether there are trees, and if they have a park.

If not, ensure that your prospective property has ample space for urban gardening. Doing so adds a lush scene in the vicinity, which can help boost your mental and physical health.

Available Mortgage Arrangement

Sure, buying a house can be exciting. But knowing how to finance it can be overwhelming.

Hence, it would be ideal to know what mortgage arrangements are available before buying a property:

  1. Conventional Mortgages. It is confirming or non-conforming home loans that are not insured by the federal government. This is ideal if you have a stable income and a healthy credit score.
  2. Jumbo Mortgages. It is a conventional mortgage type that has non-conforming loan limits. This is ideal if you have an affluent income and can afford a substantial downpayment.
  3. Government-insured Mortgages. Depending on what you need, you can apply for a home loan from government bodies like the Federal Housing Authority. This is ideal if you have low cash savings and a lackluster credit score.
  4. Fixed-rate Mortgages. This is a home loan that carries the same interest rate, regardless of your loan terms. This is ideal if you intend to stay in your property for at least ten years.
  5. Adjustable-rate Mortgages. Also called ARMs, this is a home loan type with a fluctuating interest rate. This is ideal if you only intend to live in your property for a couple of years.

What’s Next?

Say, you finally found a worthy real estate property. What is the next thing that you should do?

The next step is to inspect your new house, apartment, or condo.

At Planet Maids House Cleaning NYC, we always advise clients to check light provisions, leaky pipes, and other things that might need fixing. This includes saggy ceilings and moldy walls.

That’s because this can affect how much a property can cost. After all, a fixer-upper house means you will need to spend more with repairs and renovations.

As mentioned earlier, buying a real estate property is one of the most significant financial decisions you will make. Hence, it is imperative to consider the factors stated above. Doing so ensures that you are buying a property that is worth the investment.


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