2025 Guide to Title Insurance Cost in Florida

One of the most common residential title questions we get from people coming from out of State is "how much is title insurance in Florida?" So, we put together a practical, 2025-ready guide to what Florida title insurance really costs, and how to make sure you (or your clients) aren't overpaying.

Before We Get Started, a Note:

Florida is a promulgated-rate state. What does that mean? Well, it means that the Office of Insurance Regulation (OIR) sets uniform title insurance premiums statewide. Agents/attorneys can't discount the premium itself, but they may separately charge market-based fees for the title search, examination, closing/settlement, etc. However, that must be shown as separate line items on your closing statement.

Okay, now let's get into the 6 major things to know about how much title insurance costs in Florida, plus some FAQs and helpful resources at the end.

1) Florida’s promulgated premium (what everyone pays)

Original (standard) premium per $1,000 of coverage for both owner’s and loan (mortgagee) policies:

• $0–$100,000: $5.75 per $1,000
• $100,000–$1,000,000: $5.00 per $1,000 (add this tier for the portion in this band)
• $1,000,000–$5,000,000: $2.50 per $1,000
• $5,000,000–$10,000,000: $2.25 per $1,000
• Over $10,000,000: $2.00 per $1,000 (Minimum premium generally $100; $60 for certain multiple conveyances.)(As of August 19, 2025, these are the current rates.)

Simultaneous-issue discount (common when you buy with a mortgage)

If an owner’s policy and a loan policy are issued at the same time on the same property, you pay the regular owner’s premium plus $25 for the loan policy up to the owner’s coverage amount (any loan amount above the owner’s limit is rated at original mortgage rates).

Reissue (refinance or recent prior policy) discount

When you qualify for a reissue rate, the premium drops to:

• Up to $100,000: $3.30 per $1,000
• $100,000–$1,000,000: $3.00 per $1,000
• $1,000,000–$10,000,000: $2.00 per $1,000
• Over $10,000,000: $1.50 per $1,000 (Minimum $100.)

You typically qualify if a prior owner’s policy insured the seller’s (or current mortgagor’s) title and the effective date of that prior policy is less than 3 years before your new policy date; refinances tied to a prior owner’s policy also qualify. Any new coverage above the prior amount is billed at original rates.

New-home (CO) discount

On the first sale of a 1–4 family residence with a certificate of occupancy, the original premium can be discounted by the amount of the seller’s earlier builder/construction loan policy premium (minimum new-home premium $200; cannot be combined with other reductions).

2) Endorsements (add-on coverage)

Endorsements extend/modify coverage (e.g., condo/PUD, variable rate, restrictions & easements). Florida sets minimum charges for many of these—commonly $25 per endorsement on 1–4 family residential risks ( though some have percentage-based caps or different minimums).

Endorsements must be itemized on the closing statement.

3) Other title-related fees (not the premium)

Florida requires that title search, exam, and closing fees be shown separately from the premium. These are market-based (not fixed by the state) and must be at least the provider’s actual cost.

You’ll usually see items such as title search, exam, settlement/closing, lien search, courier, etc.

4) Who pays the owner’s premium in Florida?

It varies by county and is negotiable in the contract. A common pattern you’ll hear in residential deals is:

• Buyer typically pays (and selects the title company) in Miami-Dade, Broward, Collier, and Sarasota counties.
• Seller typically pays in many other counties, e.g., Palm Beach and much of Central/North Florida.

Always check your FAR/BAR or local board contract because customs can vary, and parties can negotiate differently.

5) Florida taxes often shown on the same closing statement (not title insurance)

These aren’t title insurance, but they materially impact cash to close and are frequently confused with title charges:

• Documentary stamp tax on deeds: Generally $0.70 per $100 of consideration in Florida; Miami-Dade single-family residences are $0.60 per $100, while other Miami-Dade property types are $0.60 + $0.45 surtax per $100. Paid by the seller in most residential contracts.
• Doc stamps on notes/mortgages: $0.35 per $100 of the loan amount (no cap on mortgages; the note portion has a cap in some contexts per DOR guidance). Typically, a buyer/borrower cost at closing.
• Nonrecurring intangible tax (mortgages): 0.2% of the loan amount ($2 per $1,000). Generally borne by the borrower (sometimes passed through from the lender).

6) How to estimate your 2025 title premium

A) Purchase with a loan (owner’s and loan policies issued together)

1. Compute the owner’s policy using the original tiered rates on your purchase price (or insurable value).
2. Add $25 for the simultaneous loan policy (if the loan amount is ≤ owner’s coverage).
3. Add any endorsements.
4. Add title services (search, exam, settlement) from your selected provider.

Example (Palm Beach County, Aug. 2025):

• Purchase price $450,000; loan $360,000; simultaneous issue; standard coverage; typical residential endorsements.
• Owner’s premium:
  
  • First $100,000 @ $5.75 = $575
  • Next $350,000 @ $5.00 = $1,750
  • Total owner’s premium = $2,325
  • Simultaneous loan policy = $25 (loan ≤ owner’s coverage)
  • Endorsements = (varies, often $25 each on 1–4 unit residential)
  • Title services = market-based (varies by provider)
  • Plus applicable taxes (doc stamps on deed, doc stamps/intangible on mortgage).

B) Refinance (reissue rate)

1. Confirm you qualify (prior owner’s policy on the same property and effective date < 3 years before your new policy date, or a qualifying refinance).
2. Rate the loan policy at reissue rates (tiers above).
3. Add endorsements and title services.

Example (Refinance of $360,000 loan):

• First $100,000 @ $3.30 = $330
• Next $260,000 @ $3.00 = $780
• Reissue premium = $1,110 (+ endorsements + services)
• Add doc stamps on the mortgage and the 0.2% intangible tax.

C) New-construction first sale (CO issued)

If the builder had a construction loan policy, the owner’s premium may be discounted by the prior loan policy premium (minimum new-home purchase premium $200; cannot stack with other discounts).

What to ask your title agent/attorney (to avoid surprises)

• “Please show the Florida promulgated premium separately from all title services.”
  • (Required.)
• “Do I qualify for the reissue rate?”
  • (Bring a copy of any prior owner’s policy; it must be kept in the file.)
• “Which endorsements are you adding and why?”
  • (Expect minimum charges; some endorsements have special pricing rules.)
• “What are your search/exam/settlement fees?”
  • (They’re market-based; compare providers.)
• “Who is paying title per our contract and county custom?”
  • (Customs vary; it’s negotiable.)

Florida Title Cost FAQs

• Is the title premium a one-time cost?
  Yes—paid at closing. The policy lasts as long as you own (owner’s) or until the loan is paid off (loan policy). (General information; rates and rules above are Florida-specific.)
• Can the agent discount the premium?
  No. The premium is fixed by rule, but the provider sets its service fees. Rebating or reducing the premium itself is prohibited.
• Will rates change in 2025?
  As of August 19, 2025, the tiers above remain in effect (they’ve been unchanged for years). If OIR amends the rule, new rates would apply prospectively; existing binders/commitments before the effective date are handled per rule.

Handy reference (primary sources)

• Florida Administrative Code 69O-186.003 – Title Insurance Rates (original, reissue, substitution, simultaneous, new-home).
• Florida Administrative Code 69O-186.005 – Endorsement pricing (minimums, Truth-in-Lending, Florida Form 9, etc.).
• Florida Department of Revenue – documentary stamp tax & intangible tax (rates and Miami-Dade surtax rules).

Quick Summary

• In Florida, title insurance premiums are set by the state, so everyone pays the same base rate in 2025:
  • $5.75 per $1,000 of coverage up to $100,000
  • then $5.00 per $1,000 up to $1 million, with lower rates at higher amounts.
• Buyers often also need a lender’s policy, which only costs $25 extra if issued at the same time as the owner’s policy (as long as the loan amount isn’t higher).
• Discounts are available for refinances (reissue rate), recent prior policies, and first-time new-home sales, while add-on endorsements usually run about $25 each.
• On top of the premium, you’ll see market-based charges for the title search, exam, and closing, plus Florida taxes like deed stamps (often paid by sellers) and mortgage taxes (paid by buyers).
• Who pays the title insurance depends on county custom and contract terms, but overall, it’s a one-time closing cost that protects your ownership for as long as you own the property.

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