Home › Florida Title Insurance Calculator
Florida Title Insurance Calculator
Updated October 20, 2026
Florida title insurance costs $5.75 per $1,000 for the first $100,000 and $5.00 per $1,000 up to $1 million (state-set rates). A lender’s policy issued at the same time adds $25. Enter your price below.
Florida title insurance premium
Premiums only. Title search, examination, closing/settlement fees and endorsements are charged separately and are not included. Refinance shown at original rates; ask about the substitution-loan discount if your lender and borrower are the same as on the old loan.
Florida promulgated title insurance rates
Florida is a promulgated-rate state: every title insurer must charge the same risk premium, set by rule 69O-186.003. So the premium does not change with the company you choose; the related service fees (search, exam, closing) do.
| Amount of insurance | Original rate per $1,000 | Reissue rate per $1,000 |
|---|---|---|
| $0 to $100,000 | $5.75 | $3.30 |
| Over $100,000 to $1 million | $5.00 | $3.00 |
| Over $1 million to $5 million | $2.50 | $2.00 (to $10 million) |
| Over $5 million to $10 million | $2.25 | |
| Over $10 million | $2.00 | $1.50 |
Minimum premium is $100, and any fraction of $100 of coverage counts as a full $100. The owner’s policy is issued for the full purchase price.
Worked example: $400,000 home, $320,000 loan
Owner’s policy: first $100,000 × $5.75/1,000 = $575, plus $300,000 × $5.00/1,000 = $1,500, total $2,075. Lender’s policy issued at the same time (simultaneous issue) for no more than the owner’s amount: $25. Total premium: $2,100.
Simultaneous issue
When an owner’s and a lender’s policy on the same land are issued together, the lender’s policy costs a flat $25 up to the owner’s policy amount. Any loan amount above the owner’s policy is charged at the regular rates (for example, a loan larger than the price).
Reissue rates
Reissue rates apply when a prior owner’s policy insured the seller (or the borrower, on a refinance) and the new policy is issued less than 3 years after it, among other cases in the rule. The amount up to the prior policy is charged at reissue rates; any new coverage above it is charged at the original rates. This calculator prices that excess at the original rate for the bracket it falls in. Your title agent needs a copy of the prior policy.
Who pays for title insurance in Florida?
It depends on the contract and local custom. In most Florida counties the seller pays for the owner’s policy; in Miami-Dade, Broward, Sarasota, Collier and some others the buyer often pays it. The buyer almost always pays for the lender’s policy. See the full split for your deal with the Florida closing cost calculator or, if you are selling, the seller closing cost calculator.
Rates as of October 20, 2026, from official sources: title insurance premiums are set by the state in Rule 69O-186.003, F.A.C. (see also the Florida Office of Insurance Regulation); doc stamp rates are in s. 201.02, s. 201.031 and s. 201.08, F.S., and the Florida Department of Revenue; intangible tax is s. 199.133. Estimates only; your closing agent’s figures control.
FAQ
How much is title insurance in Florida?
Florida sets the premium by rule: $5.75 per $1,000 for the first $100,000 of coverage and $5.00 per $1,000 from $100,000 to $1 million. A $400,000 owner’s policy is $2,075.
How much is a lender’s title policy in Florida?
If it is issued at the same time as the owner’s policy, $25 for coverage up to the owner’s amount. On its own (for example on a refinance) it is charged at the regular rates.
Can I shop for a cheaper title insurance premium in Florida?
No. The premium is the same at every insurer because the rates are promulgated by the state. Title search, exam and closing fees vary, so compare those.
What is the Florida title insurance reissue rate?
$3.30 per $1,000 up to $100,000 and $3.00 per $1,000 from $100,000 to $1 million, when a prior owner’s policy was issued less than 3 years earlier (and in some other cases). The minimum is $100.
Who pays for the owner’s title policy in Florida?
By custom the seller in most counties and the buyer in Miami-Dade, Broward, Sarasota, Collier and some others. Your contract decides.