Florida Warranty Deed vs Quitclaim Deed — Which Should You Use?

Warranty Deed — The Gold Standard

A Florida statutory warranty deed guarantees the grantor holds clear title and defends against any claims. Used in almost all arms-length home sales because it triggers title insurance coverage. If title problems surface later, buyer has recourse against seller.

Quitclaim Deed — Whatever You Have

A quitclaim transfers whatever interest the grantor may (or may not) own, with zero warranties. If there’s a lien, the buyer inherits it. If title is defective, the buyer has no recourse. Used mostly for family transfers, divorce settlements, and cleaning up chain of title.

When Not to Use Quitclaim

Almost never in a sale to a stranger. Buyers who accept quitclaim deeds cannot get title insurance in most cases. Homeinc uses warranty deeds for all our arms-length purchases.

Homestead + Deeds

Regardless of deed type, Florida homestead property requires spousal joinder even if only one name is on the current deed.

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