Selling a Florida house and don't know what the title insurance line will hit? Or buying in Miami-Dade and seeing a four-figure premium for the first time? Here's the actual number. Florida owner's title insurance costs $5.75 per $1,000 on the first $100,000 of coverage and $5.00 per $1,000 on every dollar from $100,001 up to $1,000,000. That works out to $1,075 on a $200,000 purchase, $2,575 on $500,000, and $5,075 on $1 million. The lender's policy at simultaneous issue adds just a $25 flat minimum on top, making the total title insurance cost at closing remarkably affordable for the protection it provides.
Because Florida title insurance is regulated, that price is identical at every Florida-licensed title agency — whether you close in West Palm Beach, Orlando, or Pompano Beach. There is no shopping for a cheaper rate. What follows is the full 2026 Florida title insurance rate chart, premium examples at every common Florida price point, an explanation of the simultaneous-issue lender's policy, and a clear breakdown of the fees that are different between title companies.
The 2026 Florida Title Insurance Promulgated Rate Chart
Florida is one of a handful of states where title insurance rates are promulgated — set by the Florida Office of Insurance Regulation. Every Florida-licensed title agency charges the identical premium for the identical coverage. The owner's policy is calculated on a tiered scale based on the policy liability amount, which is normally the purchase price of the home.
| Policy Amount Tier | Rate per $1,000 | What It Applies To |
|---|---|---|
| $0 – $100,000 | $5.75 | First $100K of every Florida 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 |
The scale is cumulative — you do not pick a single tier and multiply. A $400,000 home, for example, gets $575 on the first $100K plus $1,500 on the next $300K, for $2,075. A $1.5M home gets $5,075 on the first $1M plus $1,250 on the next $500K (at the $2.50 rate), for $6,325. Every Florida title company will quote the same number.
Florida Owner's Policy Premium Examples
Here are the exact Florida owner's title insurance premiums at the price points most Florida buyers actually transact at — calculated using the promulgated rate scale above.
| Purchase Price | Owner's Policy Premium | Calculation |
|---|---|---|
| $200,000 | $1,075 | $575 + ($100K × $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) |
If you want to plug in any price — including ones that fall between these examples — our Florida title insurance calculator runs the exact promulgated-rate math instantly and adds the lender's policy automatically.
Calculate Your Exact Florida Title Insurance Premium
Plug in your purchase price and loan amount — get an instant promulgated-rate quote for owner's + lender's policy.
Open the Calculator →The Simultaneous-Issue Lender's Policy
Almost every Florida residential lender requires a lender's title insurance policy equal to the loan amount. Unlike the owner's policy — which is calculated on its own scale — the lender's policy is offered at a steep discount when it is issued at the same closing as the owner's policy. This is called simultaneous issue, and the standard charge is a flat $25 minimum for loan amounts up to the owner's policy liability.
So on a $500,000 Florida purchase with a $400,000 mortgage, the math is:
- Owner's policy: $2,575
- Lender's policy (simultaneous-issue): $25
- Total title insurance: $2,600
If the loan amount exceeds the purchase price — rare on a purchase, but common on a cash-out refinance — there is an additional small per-thousand premium on the excess. For nearly every residential purchase, however, the lender's policy is effectively a $25 add-on. That is the practical reason every Florida buyer should purchase both policies together: the marginal cost of full personal title protection over a lender-only setup is the owner's premium itself, and you get the lender's coverage at a 99% discount.
What's NOT Promulgated: The Other Closing Fees
While the title insurance premium itself is identical at every Florida company, several other closing fees are not promulgated and do vary. These appear alongside the premium on your Closing Disclosure and are where buyers should actually compare title companies.
- Settlement / closing fee — the fee the title agency charges to actually conduct the closing. Typically $487–$1,212 in Florida depending on complexity (condos, HOAs, and short sales push the upper end).
- Title search fee — the cost of pulling the 30-year chain and producing the commitment. Typically $215–$465.
- Endorsements — optional add-ons like the Florida Form 9 owner's endorsement, condominium endorsement, environmental protection lien endorsement, and others. Some are promulgated, others are not.
- Wire fees, courier, e-recording fees — small administrative charges that vary by company.
None of these are title insurance premiums. They are operational fees of the closing agent. When buyers say "shop for title insurance" in Florida, they really mean shop for these line items — the insurance itself is fixed by law. In our experience handling closings across South Florida, the biggest variance buyers see is the settlement fee. A common situation: a buyer in Coral Gables compares two quotes and the only meaningful difference is a $300-$400 spread in the closing fee.
Our take: Florida's promulgated rate system is actually a buyer's friend — it kills the worst price-gouging tactic in the industry. In non-promulgated states, the title premium itself is where shady operators pad their margin. In Florida, you can't be overcharged on the insurance, so the only question worth asking a title company is "what's your settlement fee and what's in it?" If they can't answer in one sentence, move on.
Florida Doc Stamps, Intangible Tax, and Recording — Separate Costs
Title insurance is just one line item on a Florida closing disclosure. Several state-level fees ride alongside it that buyers often blur together. To round out the picture:
- Doc stamps on the deed: $0.70 per $100 of sale price (paid in every Florida county except Miami-Dade, which charges $0.60 per $100).
- Doc stamps on the note: $0.35 per $100 of the loan amount.
- Florida nonrecurring intangible tax: $0.002 per $1 borrowed (i.e., 0.2% of the loan amount).
- Recording fees: $10 first page + $8.50 each additional page (per FS 28.24).
These are state taxes and county fees, not insurance — they go to the Florida Department of Revenue and the county clerk, not to the title company. For the full breakdown including title insurance, use our closing cost estimate page or the dedicated doc stamp and intangible tax calculators.
Who Pays the Owner's Policy in Florida?
By Florida custom, who pays the owner's title insurance premium depends on the county. In 63 of Florida's 67 counties, the seller customarily pays for the owner's policy and selects the closing agent. 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 policy is always paid by the buyer when there is mortgage financing, regardless of county.
These customs are pre-checked defaults in the FAR/BAR contract — either party can negotiate to shift the cost. In a tight-inventory seller's market, buyers in non-Miami counties sometimes agree to absorb the owner's policy as a contract concession; in a buyer's market, the reverse can happen.
Important: regardless of who pays, the buyer is the named insured on the owner's policy and the only party protected by it. The seller paying does not make the seller the beneficiary — the policy still defends the buyer's title for as long as the buyer or buyer's heirs own the property.
One-Time Premium — Lasts Forever
Florida title insurance is paid once, at closing, and never again. There is no annual renewal, no monthly payment, no recurring cost. The owner's policy stays in force for as long as you or your heirs hold an interest in the property. The lender's policy stays in force until the loan is paid off or refinanced. If you refinance, the original owner's policy continues and a new lender's policy is issued on the new loan at the simultaneous-issue or reissue rate.
That structure is what makes title insurance such a good value. A $400,000 Florida buyer pays $2,075 once, and that policy defends the title against forged deeds, missed liens, and undisclosed heirs forever. There is no other insurance product in the United States that works that way.
Frequently Asked Questions
How much is title insurance in Florida on a $300,000 home?
On a $300,000 Florida purchase, the owner's title insurance premium is $1,575. The calculation is $575 for the first $100,000 at $5.75 per $1,000, plus $1,000 for the next $200,000 at $5.00 per $1,000. If there is a mortgage, the lender's policy adds a $25 simultaneous-issue minimum for a total of $1,600.
How much does title insurance cost on a $500,000 Florida home?
The owner's title insurance premium on a $500,000 Florida home is $2,575. That's $575 on the first $100,000 plus $2,000 on the next $400,000 at $5.00 per $1,000. With a mortgage, the lender's policy adds $25 at the simultaneous-issue rate.
How much does title insurance cost on a $1 million Florida home?
On a $1,000,000 Florida purchase, the owner's title insurance premium is $5,075. The first $100,000 produces $575, and the next $900,000 produces $4,500 at $5.00 per $1,000. The lender's policy adds a $25 simultaneous-issue minimum on top.
A title company in Miami quoted me a different price than one in Tampa. Who is right?
On the insurance premium itself, neither — both must charge the same number, because Florida title insurance premiums are promulgated rates set by the Florida Office of Insurance Regulation. If the totals are different, the variation is in the non-premium line items: the settlement fee, title search fee, e-recording fee, courier, and optional endorsements. Ask each company for an itemized fee sheet and compare those lines side by side. The insurance is identical; everything else is fair game.
My closing agent quoted me $25 for the lender's policy. Is that a typo?
No — that is the simultaneous-issue minimum charge. When a Florida owner's policy and lender's policy are issued at the same closing, the lender's policy drops to a flat $25 minimum for loan amounts up to the owner's policy liability. It is the cheapest way to add lender's coverage and, in our opinion, the single best deal in Florida real estate.
I'm a cash buyer in Boca Raton. Do I even need to pay this?
There is no lender's policy on a cash purchase, so the lender's premium goes away. The owner's policy is technically optional on cash deals — but it is the only thing standing between you and a six-figure title defect on the largest purchase you will ever make. We tell cash buyers the same thing every time: skip the owner's policy and you are self-insuring the title against every prior owner, lien, and probate error in the chain. Florida title insurance is paid as a one-time premium at closing, no monthly cost, no renewal.
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