Florida title insurance calculator
The short answer
Florida title insurance premiums are promulgated: the Office of Insurance Regulation sets them by rule, Fla. Admin. Code R. 69O-186.003, so every agency works from the same schedule and they can be worked out exactly. On a $500,000 purchase the owner’s policy is $2,575, or $1,530 at the reissue rate.
Work out the premium
The premium is the rule’s, not ours — there is nothing to trade for itEvery line cited to whoever sets it
- Buyer
- $5,152.00
- Seller
- $3,500.00
A purchase in Broward County.
Title insurance premium
Tax on the transfer
Recording
At the reissue rate the same coverage is $1,655.00 in premium against $2,700.00. Finding the old policy is worth up to the difference — less if it insured less than this would.
Not in it: Our settlement or closing fee; title search and examination; endorsements the lender asks for; survey, municipal lien search, estoppel letters and association fees; the lender’s own charges, prepaid interest, escrows and prorations. Which side pays each line above is the contract’s to settle — the split shown is ordinary Florida practice and no more than a starting point. On the seller’s side, also: the mortgage payoff and the recording of its satisfaction; association balances and estoppel charges; municipal claims, judgments and liens; prorations and the commission.
For the exact figure, with our fees, the search and the endorsements in it, send us the contract.
The owner’s premium at common prices
An owner’s policy is written for the full purchase price. The reissue column assumes the previous policy insured at least the new amount; the calculator above splits it where it did not.
| Purchase price | Original rate | Reissue rate |
|---|---|---|
| $100,000 | $575 | $330 |
| $150,000 | $825 | $480 |
| $200,000 | $1,075 | $630 |
| $250,000 | $1,325 | $780 |
| $300,000 | $1,575 | $930 |
| $350,000 | $1,825 | $1,080 |
| $400,000 | $2,075 | $1,230 |
| $450,000 | $2,325 | $1,380 |
| $500,000 | $2,575 | $1,530 |
| $600,000 | $3,075 | $1,830 |
| $700,000 | $3,575 | $2,130 |
| $750,000 | $3,825 | $2,280 |
| $800,000 | $4,075 | $2,430 |
| $900,000 | $4,575 | $2,730 |
| $1,000,000 | $5,075 | $3,030 |
| $1,250,000 | $5,700 | $3,530 |
| $1,500,000 | $6,325 | $4,030 |
| $2,000,000 | $7,575 | $5,030 |
| $3,000,000 | $10,075 | $7,030 |
How the premium is worked out
The rate runs per $1,000 of liability, in bands: each band of the price is charged at its own rate and the bands are added together. A fraction of $100 counts as a full $100, and the minimum premium on a conveyance is $100.
| Liability | Original rate | Reissue rate |
|---|---|---|
| First $100,000 of liability | $5.75 | $3.30 |
| $100,000 to $1,000,000 | $5.00 | $3.00 |
| $1,000,000 to $5,000,000 | $2.50 | $2.00 |
| $5,000,000 to $10,000,000 | $2.25 | $2.00 |
| Over $10,000,000 | $2.00 | $1.50 |
Original rate: Fla. Admin. Code R. 69O-186.003(1)(a). Reissue rate: Fla. Admin. Code R. 69O-186.003(2)(a). The Office of Insurance Regulation sets both under Fla. Stat. § 627.782, so you can open the rule and arrive at the same number.
When does the reissue rate apply?
It is a different schedule in the same rule, not a discount on the first one, and it applies where:
- The owner’s or the seller’s own title was insured, and both we and the underwriter keep a copy of that policy.
- The new policy is dated less than three years after the policy that insured the owner or seller — this is the common one.
- Or it is a mortgage policy on a refinance of property insured by an owner’s policy that insured this same borrower.
It reaches only as far as the old policy did. Under R. 69O-186.003(2)(c) anything above what the previous policy insured is charged at the original schedule, which is most of the difference on a property worth more now than when it was last insured.
The lender’s policy, issued with the owner’s
Where a lender’s policy is issued at the same time as the owner’s policy on the same land, the rule sets $25 as the least it can be for coverage up to the owner’s amount. That $25 is a minimum, not a price: Bayit Title charges $125 to issue the policy alongside the owner’s, and that is the figure the estimate prints. Where the loan is larger than the owner’s amount, the coverage above it adds the difference between the original rate at the loan amount and at the owner’s amount.
The new home purchase discount
On the first sale of a newly built one- to four-family home the seller has neither leased nor occupied, the premium is reduced by what was paid for the builder’s loan policy, with a floor of $200. It cannot be combined with the reissue rate.
Who pays for the owner’s policy?
Local custom, not the rule, and it changes from county to county. Who pays for title insurance in each Florida county sets out the custom where it has been confirmed; the buyer and seller closing cost pages show which side of the statement every other line falls on. The purchase contract decides it in every case.
Common questions
How much is title insurance in Florida?
On a $500,000 purchase the owner’s policy is $2,575 at the original rate, or $1,530 where the reissue conditions are met. The rate runs per $1,000 of coverage: $5.75 per $1,000 on the first $100,000 of liability, then $5.00 per $1,000 from $100,000 up to $1,000,000, with a minimum premium of $100.
Can a buyer shop for a lower title insurance premium?
Only within limits. The premium comes off a schedule the Office of Insurance Regulation promulgates by rule, so every agency starts from the same figure for the same coverage. Fla. Stat. § 626.9541(1)(h)3.b. does not prohibit “a rebate or abatement of … that portion of the premium that is not required to be retained by the insurer pursuant to s. 627.782(1), or any other agent charge or fee to the person responsible for paying the premium, charge, or fee,” but under 3.c. “in no event” may any of it “be paid directly or indirectly for the referral of title insurance business.” What otherwise differs between agencies is the settlement fee, the search and the work.
What is the reissue rate on Florida title insurance?
A different schedule in the same rule, for a policy on property whose owner or seller was already insured and whose policy both the agent and the underwriter keep. The common case is a new policy dated less than three years after the old one. On a $500,000 purchase it is $1,530 rather than $2,575.
What does the lender’s policy cost when it is issued with the owner’s policy?
The rule sets $25 as the least a lender’s policy issued at the same time on the same land can be, for coverage up to the owner’s amount. That $25 is a minimum, not a price: Bayit Title charges $125 to issue the policy alongside the owner’s, and that is the figure the estimate prints. Where the loan is larger than the owner’s amount, the coverage above it adds the difference between the original rate at the loan amount and at the owner’s amount.
Who pays for title insurance in Florida?
Who pays for the owner’s policy is local custom, and it differs by county; the purchase contract can put it on either side. The lender’s policy protects the lender and is ordinarily on the borrower’s side of the statement.
Read from Fla. Admin. Code R. 69O-186.003 on September 14, 2026. The rule was last amended January 27, 2002. Tell us if a figure here does not match what you are quoted and we will check it against the rule again.