A Title Company You Can Rely On

Title Insurance, Real Estate Closings along Northwest Florida
Serving Destin, 30A, Panama City Beach, and areas beyond


Serving Destin to Panama City Beach since 2004. Our goal is a smooth settlement at every closing. 


Serving realtors, investors, loan officers, and homebuyers. Strict adherence to ALTA Best Practices.


Four Licensed Closing Officers, two National Underwriters, an available Real Estate Attorney.

Real Estate Protection & Security

Real Estate Closings 

Mobile closings, 15+ years in business, residential and commercial real estate closings, 1031 Exchange transactions, FRPTA (Foreign Investment in Real Property Tax Act) closing, Development closings… We are your resource for closing questions.

Title Insurance 

Lender Policy/ Owner Policy, Fidelity Agent, Alliant Agent 

Helpful Information

Resources and Links


Common terms used in real estate settlements and corresponding explanations


Most often asked questions during real estate transactions, and their answers

Customer Testimonials

Thank you for taking such great care of my buyers yesterday. That’s why I recommend H&S.

Robert K

“Ada and I cannot thank you enough for all your extra effort to make this deal happen! From late night phone calls for estimated HUDs, to working super fast to get this closed in record time, then accommodating my seller’s closing in the dentist’s office … we’re so grateful.”

Julie & Ada

“You guys always do a great job.  Sarah is extraordinary, as is your entire team.  Thank you for your dedication to help!”

“Thank you so much for the hard work! You made this a painless process!!”


“I have heard good things, that is actually why we asked the bank to use y’all for this closing.”

Courtney M

“Thank u for making a hard project so easy. Us old people can get frustrated easily but [you] made it so smooth that even I knew what was going on at every turn. Your professionalism was over the top. Hope to work with u in the future.”

John and Jane H

“Thanks Vicki – this was one of the easiest closings we’ve ever had! Appreciate your help!”

Donna A

“Thank you for your kind words & great professionalism and courtesy you and your staff showed us. I am looking forward for more encounters like this in the future.”

Dr. S

“I just wanted to express my appreciation to all the employees at H&S Title and Escrow, for their professionalism and kindness in the selling of my mother’s house in Parker, Fl. We closed on time, a very difficult time for my mother, but all of you at the Panama City Beach office were very kind and considerate. Thanks so very much!”

William P

“…You all made this deal so easy and pleasant for everybody. Thank you again.”

Florina C

“I’m VERY impressed with Jinnifer Sullivan in your office.  She always asks great questions. She takes her job seriously …  Your good training has paid off!

Not only is she checking her survey legal descriptions but she obviously looks at the drawing itself … I thought you should know you have a REALLY good employee.”

Vicki C

“We are on a tight timeframe and H&S Title is working on this. You made a good call when you suggested we go with H&S.”

Beth G

“Our office just got licensed to do business in Florida and will be opening an office. Your employee Sara Brown has made our first Florida experience a total blessing!!  We try to share this with others when someone goes above and beyond, and she certainly has.  Thank you so very much!”

Nicole S