Florida Title Insurance Reissue Rate Calculator
If the property already had an owner's title policy, you may qualify for the discounted reissue rate — and pay hundreds to thousands less. See your reissue premium and exactly what you save versus the original rate. All 67 Florida counties.
Updated September 2026 · current Florida rates
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Florida Owner's Title Insurance Premium
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The Florida Title Insurance Reissue Rate Explained
Florida title insurance premiums are promulgated rates set by the Florida Office of Insurance Regulation. But the rate book includes more than the standard "original" rate — it also contains a discounted reissue rate for property that was already insured by a prior owner's title policy. If the title has been insured before, the State allows the new policy to be written at a lower premium, because much of the title risk has already been examined and underwritten.
The catch: the reissue credit is not automatic. The closing agent has to identify that a prior policy exists, obtain a copy, and apply the reissue rate. Many title companies don't bother to check — and the buyer or borrower simply overpays. Atlantic Title Firm reviews every file for reissue eligibility, so you only pay what Florida law actually requires.
Florida Reissue Rate Tiers (FAC 69O-186.003)
The reissue rate uses the same tiered sliding scale as the original rate — just at lower per-thousand rates. It applies to the amount of the new policy up to the face value of the prior policy; any coverage above the prior policy amount is charged at the original rate.
| Liability Tier | Reissue Rate / $1,000 | Original Rate / $1,000 |
|---|---|---|
| $0 – $100,000 | $3.30 | $5.75 |
| $100,001 – $1,000,000 | $3.00 | $5.00 |
| $1,000,001 – $10,000,000 | $2.00 | $2.50 / $2.25 |
| Over $10,000,000 | $1.50 | $2.00 |
Minimum reissue premium $100. Source: Florida Administrative Code Rule 69O-186.003.
When You Qualify for the Reissue Rate
The reissue rate applies when a prior owner's policy insured the seller or the mortgagor in the current transaction and a copy of that policy can be produced. The most common qualifying situations are:
- Refinancing a property that already has an owner's title policy.
- Reselling within three years — when the seller bought the home recently and still holds a current owner's policy.
- Any sale where the seller can locate their existing owner's policy, regardless of how long ago they bought.
To unlock the credit, the agent and underwriter must obtain and retain a copy of that prior policy. The single best thing you can do is find your original owner's title insurance policy from when the property was purchased and hand it to your closing agent.
Reissue vs. Original Premium at Common Price Points
Assuming the prior policy covered the full amount, here is what the reissue rate saves versus the original promulgated premium:
| Policy Amount | Original Premium | Reissue Premium | You Save |
|---|---|---|---|
| $200,000 | $1,075 | $630 | $445 |
| $250,000 | $1,325 | $780 | $545 |
| $300,000 | $1,575 | $930 | $645 |
| $400,000 | $2,075 | $1,230 | $845 |
| $500,000 | $2,575 | $1,530 | $1,045 |
| $750,000 | $3,825 | $2,280 | $1,545 |
| $1,000,000 | $5,075 | $3,030 | $2,045 |
Reissue Rate and the Lender's Policy on a Refinance
When you refinance in Florida, your original owner's policy stays in force — you do not buy a new owner's policy. The new lender does require a fresh lender's title policy on the new loan, and because the property was already insured, that lender's policy is written at the reissue (substitution) rate rather than the full original rate. The reissue credit is one of the biggest line-item savings available on a Florida refinance, and it is exactly the kind of thing a careful closing agent catches and a rushed one misses.
How to Claim the Florida Reissue Rate (Step by Step)
Because the reissue credit is never applied automatically, knowing the four steps below can save you hundreds to thousands of dollars at closing:
- Confirm a prior owner's policy exists. The credit applies only when the property was previously insured — standard on refinances and on resales by an owner who bought with title insurance.
- Locate the prior owner's policy. Find the original owner's title policy issued when the property was purchased — it's usually in the closing package from that purchase.
- Give a copy to your closing agent. The title agent and underwriter must retain a copy of the prior policy to apply the reissue rate.
- Verify the credit on your Closing Disclosure. Confirm the premium is calculated at the reissue rate — not the original rate — before you sign. A quick check against the calculator above tells you if it's right.
Reissue Rate vs. Simultaneous Issue vs. Substitution Rate
These three Florida title insurance discounts are often confused. They are not the same thing, and on some transactions more than one applies:
- Reissue rate — a reduced owner's-policy premium because the title was already insured by a prior owner's policy. This is what the calculator above estimates.
- Simultaneous issue — the $25 flat lender's-policy minimum when it's issued at the same closing as a new owner's policy. See our standard title insurance calculator for that scenario.
- Substitution (reissue) rate — the reissue rate applied to the new lender's policy on a refinance, since no new owner's policy is purchased.
A purchase may use the reissue rate, simultaneous issue, or both; a refinance almost always uses the substitution/reissue rate. Either way, the premium begins with an accurate title search, and the discount only lands if your closing agent knows to apply it.
Florida Reissue Rate Savings by Policy Amount (2026 Table)
This table compares the original promulgated premium with the reissue premium for common policy amounts, using the Florida Administrative Code tiers above. It assumes the prior owner’s policy covered at least the amount of the new policy; if the new policy is larger, the excess is charged at the original rate.
| Policy amount | Original rate premium | Reissue rate premium | You save | Discount |
|---|---|---|---|---|
| $150,000 | $825 | $480 | $345 | 42% |
| $200,000 | $1,075 | $630 | $445 | 41% |
| $250,000 | $1,325 | $780 | $545 | 41% |
| $300,000 | $1,575 | $930 | $645 | 41% |
| $400,000 | $2,075 | $1,230 | $845 | 41% |
| $500,000 | $2,575 | $1,530 | $1,045 | 41% |
| $600,000 | $3,075 | $1,830 | $1,245 | 40% |
| $750,000 | $3,825 | $2,280 | $1,545 | 40% |
| $1,000,000 | $5,075 | $3,030 | $2,045 | 40% |
| $1,500,000 | $6,325 | $4,030 | $2,295 | 36% |
Minimum premium $100 either way. On a refinance the reissue rate applies to the new lender’s policy up to the face amount of the prior owner’s policy. Exact figures for your loan: use the calculator above.
Reissue rate vs. simultaneous issue: not the same discount
Two different Florida discounts get confused. The simultaneous-issue rate is the flat $25 charged for a lender’s policy issued at the same time as a new owner’s policy on a purchase. The reissue rate is the reduced per-thousand rate applied to a new policy when a prior owner’s policy on the same property is produced, most often on a refinance or a resale within three years. A purchase with financing can qualify for both: the owner’s policy at the reissue rate and the lender’s policy at the $25 simultaneous rate. Ask for both; neither is applied automatically.
What to send us to claim the reissue rate
A copy of the prior owner’s policy (the jacket and Schedule A showing the insured, the property and the amount) is enough. If the seller or borrower cannot find it, the closing agent from the prior transaction or the underwriter can usually retrieve it from the policy number on the old settlement statement. We do this search on every refinance and resale file as a matter of course.
Reissue Rate Frequently Asked Questions
What is the Florida title insurance reissue rate?
A discounted promulgated premium for property already covered by a prior owner's policy: $3.30 per $1,000 on the first $100,000, $3.00 from $100,001 to $1,000,000, $2.00 from $1,000,001 to $10,000,000, and $1.50 above $10,000,000 (minimum $100). It applies up to the face amount of the prior policy; coverage above that is charged at the original rate.
When does the reissue rate apply?
When a prior owner's policy insured the seller or mortgagor and a copy is available — most often on a refinance, a resale within three years, or any sale where the seller can produce their existing owner's policy.
How much can the reissue rate save?
About $645 on a $300,000 policy, $1,045 on $500,000, and $2,045 on $1,000,000 when the prior policy covered the full amount. Use the calculator above for your specific numbers.
Is the reissue rate the same at every Florida title company?
Yes — it is a promulgated rate. The difference is whether the agency checks for and applies the credit. Many don't, and the customer overpays. We check every file.
Do I need my old title policy to get the reissue rate?
Yes — the agent and underwriter must obtain and retain a copy of the prior owner's policy. If you're selling or refinancing, locate your original owner's title policy and give it to your closing agent; that's what unlocks the discount.
Does the reissue rate apply on a Florida refinance?
Yes. Your existing owner's policy stays in force and the new lender requires a fresh lender's policy on the new loan, written at the reissue (substitution) rate instead of the full original rate — one of the biggest savings on a Florida refinance. See our refinance closing page for details.
What's the difference between the reissue rate and simultaneous issue?
They're separate discounts. The reissue rate is a reduced premium because the title was already insured by a prior owner's policy. Simultaneous issue is the $25 flat lender's-policy minimum when issued alongside a new owner's policy at the same closing. A purchase can use one or both; a refinance usually uses the reissue/substitution rate.
How recent does the prior policy have to be?
There's no hard expiration on the owner's-policy reissue credit — if a prior owner's policy insured the seller and a copy is available, it generally applies regardless of age. A specific provision also covers a seller reselling within three years of their own purchase. The key is producing the prior policy.
What if my new policy is larger than my old one?
The reissue rate applies up to the face amount of the prior policy; coverage above that is charged at the standard original rate. A $500,000 purchase with a $400,000 prior policy gets the reissue rate on the first $400,000 and the original rate on the last $100,000. The calculator above splits this automatically.
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