Everyday ToolboxFlorida Title Insurance Calculator
Florida sets title insurance premiums by law — every licensed agency charges the same promulgated rate. Enter your purchase price (and loan amount, if financing) to see the owner's policy premium and the $25 simultaneous-issue lender's policy. Rates verified for 2026.
🏠 Purchase price ($)
🏦 Financing leave 0 for a cash purchase
| Policy amount bracket | Rate per $1,000 |
|---|---|
| First $100,000 | $5.75 |
| $100,000 – $1,000,000 | $5.00 |
| $1,000,000 – $5,000,000 | $2.50 |
| $5,000,000 – $10,000,000 | $2.00 |
| Over $10,000,000 | $1.50 |
| Simultaneous-issue lender's policy | $25 flat |
Frequently Asked Questions
What are Florida's promulgated title insurance rates?
Florida regulates title premiums by statute: $5.75 per $1,000 for the first $100,000 of coverage, $5.00 per $1,000 up to $1 million, then decreasing brackets ($2.50 / $2.00 / $1.50) for higher amounts. A lender's policy issued simultaneously with the owner's policy costs a flat $25.
Does every title company charge the same premium?
Yes — for the premium itself. Because the rate is promulgated, a $500,000 purchase costs $2,575 in owner's premium at every licensed Florida agency. Where agencies differ is settlement/closing fees and service, so compare those line items instead.
Who pays for the owner's title policy in Florida?
It varies by county custom, not law. In Miami-Dade and Broward the buyer customarily pays (and picks the closing agent); in Palm Beach County the seller typically pays. It's negotiable in the contract either way.
What is a simultaneous-issue lender's policy?
When you finance the purchase, the lender requires its own title policy. If issued at the same time as the owner's policy, Florida sets its premium at a flat $25 — a steep discount versus a standalone loan policy.
Is this an official quote?
No — it's an estimate from the public rate schedule for planning purposes. Your title agent's settlement statement is the binding figure, and it will match this premium if the inputs match.