Request a closing cost quote
Florida title insurance rates are promulgated by the Office of Insurance Regulation, so the premium for a given coverage amount comes straight off a published schedule. Recording charges and documentary stamp tax are set by statute and are the same statewide, Miami-Dade aside. A quote is therefore about the lines that do move: search, examination, our settlement fee, endorsements, and what the file turns up.
Send the county and the price and we will itemize it.
Who sets each line
Most of it is set by rule. A quote prices the rest.
- Title premium
- Promulgated: the schedule in R. 69O-186.003
- Recording
- Statutory: § 28.24(13), by the page
- The rest
- Search, examination, our settlement fee and endorsements, priced on the file
Ready for the itemized figure?
Request the quoteFour ways to a number
Two are worked out on the page. Two go to a person.- No formEstimate from the addressThe premium, priced off the county and the value the property appraiser publishes. For when there is an address but no price yet.The address estimate
- No formCalculate from the numbersPremium, documentary stamps, intangible tax and recording, from the price and the loan. Not our settlement fee, search or examination.The calculator
- To a personSend the contractWe itemize everything from the contract itself, our fees included.Send the contract
- To a personAsk for a quoteNo contract yet? Send the county and the price, and a person prices the part that is ours.The form below
Ask for an itemized quote
If a figure depends on something we have not seen yet — a survey, an existing policy, an entity buyer — the quote will say so rather than average it out.
What can move a figure
- An existing owner’s policyThe reissue rate can apply where the owner or seller was insured within three years. Mention the policy and what it insured.
- A surveyA new one, or one already done.
- A company or trust on either sideBuying or selling through an entity rather than in a person’s own name.
- A loan larger than the priceThe lender’s coverage above the owner’s amount adds a premium of its own, at the original rate.
Each line, explained
What each line on a Florida closing statement is, who sets it, and who customarily pays it.
Rather talk it through?
Call 754.253.2270. Office hours are Monday – Friday, 9:00 AM to 5:00 PM.
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