We moved to Florida for the same reason you did. Beaches, golf, beautiful birds and kind people.
Also like you, as outsiders to the title industry, we didn't understand why title insurance was so darn expensive, especially in Florida. So, we set out to make title insurance cheaper in Florida through technology, which was sort of our thing.
We read up on something called the Butler Rebate, which was a court case that happened in the State of Florida way back in the year 2000 that said title agencies could offer rebates to their customers to make their Florida title insurance policies cheaper.
We looked around and found that the vast majority of title companies didn't give their customers discounts (we certainly didn't get one when we moved to Florida, no one even MENTIONED it.) They only talk about their "superior service" and "years of experience" and "fancy leather chairs".
Pish posh. Who cares? Everywhere has good service, decent experience and comfortable chairs or they wouldn't be in business, right?
In the end, we decided that Florida title companies didn't make Florida title insurance policies cheaper for one of two reasons:
Reason 1: They couldn't afford to due to inefficiency.
They were using a manual process of title search and an underwriting procedure that was over a century old. They charged what they charged because they had to charge that much in order to keep the lights on.
Reason 2: They were just greedy.
We decided to change the Florida title industry for the better by implementing technology to make Florida title insurance policies cheaper, and passing the savings on to our clients in the form of a Butler Rebate.