Instant Florida title insurance premium calculation at state-regulated promulgated rates. Owner's policy + simultaneous-issue lender's policy. Updated for 2026. Same rate at every Florida title agency.
Owner's: $575 (first $100K @ $5.75/$1K) + $2,000 (next $400K @ $5.00/$1K) = $2,575 · Lender's simultaneous-issue: $25 flat
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Florida is one of a small number of states where title insurance premiums are promulgated rates — meaning they are set by the Florida Office of Insurance Regulation rather than negotiated between title companies and buyers. Every Florida-licensed title agency charges the exact same premium for the exact same coverage amount. There is no shopping for a cheaper title insurance rate from a different title company in Florida — the rate at Atlantic Title Firm is the rate at every other Florida title agency, by law.
What does vary between Florida title agencies are the non-premium fees — the settlement fee, title search fee, recording coordination charges, and any optional underwriter endorsements. Our calculator above uses the official Florida promulgated rate formula. The number you see is the exact premium that will appear on your closing disclosure regardless of which Florida title company you choose to close with.
The Florida owner's title insurance premium is calculated on a tiered sliding scale based on the policy liability amount (typically the purchase price). The same scale applies whether you are buying a $200,000 condo or a $5,000,000 oceanfront estate — the calculation simply walks up the tiers as the policy amount grows.
| Policy Amount Tier | Rate per $1,000 | Applied To |
|---|---|---|
| $0 – $100,000 | $5.75 | First $100K of every policy |
| $100,001 – $1,000,000 | $5.00 | Next $900K above $100K |
| $1,000,001 – $5,000,000 | $2.50 | Next $4M above $1M |
| $5,000,001 – $10,000,000 | $2.25 | Next $5M above $5M |
| Over $10,000,000 | $2.00 | All liability above $10M |
Here are the exact Florida owner's title insurance premiums for the residential price ranges most Florida buyers fall into — calculated using the promulgated rate scale above.
| Purchase Price | Owner's Premium | Calculation |
|---|---|---|
| $200,000 | $1,075 | $575 + ($100K × $5.00) |
| $250,000 | $1,325 | $575 + ($150K × $5.00) |
| $300,000 | $1,575 | $575 + ($200K × $5.00) |
| $400,000 | $2,075 | $575 + ($300K × $5.00) |
| $500,000 | $2,575 | $575 + ($400K × $5.00) |
| $750,000 | $3,825 | $575 + ($650K × $5.00) |
| $1,000,000 | $5,075 | $575 + ($900K × $5.00) |
| $1,500,000 | $6,325 | $5,075 + ($500K × $2.50) |
Almost every Florida residential lender requires a lender's title insurance policy equal to the loan amount. The lender's policy protects only the bank's interest — not yours. The good news: when the owner's policy and lender's policy are issued at the same closing, the lender's policy qualifies for a simultaneous-issue discount. The lender's policy typically becomes a flat $25 minimum charge for loan amounts up to the owner's policy liability amount, with a smaller per-thousand add-on rate for any loan amount that exceeds the purchase price (rare on residential purchases).
This is the #1 reason we recommend Florida buyers always purchase both policies together at closing. The lender's policy ends up nearly free, you get permanent personal title protection from defects in the chain of title, and the cost difference between "lender's only" and "owner's + lender's" is just the owner's premium minus $25. Without the owner's policy, you have zero personal title coverage — only the bank is protected.
Florida custom varies by county. In most Florida counties, the seller customarily pays for the owner's title insurance policy and selects the closing agent. The FAR/BAR contract has a check-box that allocates this expressly. In Miami-Dade, Broward, Sarasota, and Collier counties, the custom flips — the buyer typically pays for the owner's policy and chooses the closing company. The lender's title insurance policy is always paid by the buyer when there is financing, regardless of county. Either party can negotiate to shift these costs in the contract — but the standard local custom is what the contract template defaults to.
Florida title insurance is a one-time premium paid at closing. The owner's policy lasts for as long as you or your heirs hold an interest in the property — no expiration, no renewal premium, no annual cost. Coverage continues to defend against title defects that existed before your closing date, regardless of how many years pass. The lender's policy lasts until the loan it secures is paid off or refinanced. When you refinance, the original owner's policy stays in force and a new lender's policy is issued on the new loan at the simultaneous-issue rate (technically a "reissue" rate at most underwriters).
Florida title insurance is unique among insurance products in that it covers past events, not future risks. The policy defends you against losses arising from title defects that existed before your closing date but were not discovered during the title search — undisclosed heirs, forged deeds, missed liens, unreleased mortgages, recording errors, encroachments, easements not in the public record, identity fraud in the chain of title, and similar pre-closing problems. The policy includes both the cost to defend your title in court if a claim arises and the loss of value if the defect cannot be cured. Atlantic Title Firm issues policies through Old Republic National Title, Stewart Title, Catic, and WFG — four of the strongest title underwriters in the country.
$5.75 per $1,000 on the first $100,000 of liability, $5.00 per $1,000 from $100,001 to $1,000,000, $2.50 per $1,000 from $1,000,001 to $5,000,000, $2.25 per $1,000 from $5,000,001 to $10,000,000, and $2.00 per $1,000 above $10,000,000. Every Florida title agency charges the same promulgated rate.
Owner's policy on a $300,000 purchase is $1,575. On $500,000 it is $2,575. On $1,000,000 it is $5,075. Lender's policy at simultaneous-issue is typically a flat $25 minimum. Use the calculator at the top of this page for any amount.
Seller in most Florida counties. Buyer in Miami-Dade, Broward, Sarasota, and Collier. The lender's policy is always paid by the buyer when there is financing. Allocations can be negotiated in the contract.
Yes — promulgated rates apply identically at every Florida-licensed title agency. The only price variation between agencies is in non-premium fees (settlement fee, title search fee, optional endorsements).
When both owner's and lender's policies are issued at the same closing, the lender's policy gets a substantial discount — typically a $25 flat minimum charge for loan amounts up to the owner's coverage. This is the cheapest way to add lender's coverage.
Owner's policy lasts as long as you or your heirs own the property — no expiration, no renewal premium. Lender's policy lasts until the loan is paid off or refinanced. One-time premium at closing.
Florida-licensed across all 67 counties. Old Republic, Stewart, Catic, and WFG underwriters. Same promulgated rate as anyone else — with the service and turnaround you can't get from a national chain.
Every fee, every tax, every line item on a Florida closing — all in one breakdown.
Deed and note doc stamp tax in any Florida county, including the Miami-Dade variant.
Nonrecurring intangible tax on any Florida mortgage. $0.002 per $1 borrowed.