Rates
In Florida, the state sets the rates.
Title insurance premiums are promulgated — set by the Florida Office of Insurance Regulation. Every licensed title agent in the state charges the same premium for the same sale price. Price isn't where firms differ; service is.
Current promulgated premium tiers
For an owner's policy, applied cumulatively across the purchase price.
| Purchase-price band | Rate | Applied |
|---|---|---|
| Up to $100,000 | $5.75 | per $1,000 |
| $100,001 – $1,000,000 | $5.00 | per additional $1,000 |
| $1,000,001 – $5,000,000 | $2.50 | per additional $1,000 |
| $5,000,001 – $10,000,000 | $2.25 | per additional $1,000 |
| Above $10,000,000 | $2.00 | per additional $1,000 |
Rates per Rule 69O-186.003, Florida Administrative Code. Current as of this writing; subject to change by the State.
Sale price
$250,000
Owner's premium
$1,325.00
Sale price
$400,000
Owner's premium
$2,075.00
Sale price
$600,000
Owner's premium
$3,075.00
Sale price
$1,000,000
Owner's premium
$5,075.00
Simultaneous-issue discount
When an owner's policy and a lender's loan policy are issued in the same transaction, Florida rules may allow the lender's policy to be handled under simultaneous-issue rules rather than as a separate full premium. Exact charges depend on the file, policy amount, and underwriting requirements.
Reissue credit
If the property was previously insured on an owner's policy within the last three years, the buyer is typically entitled to a reissue credit — a discount of up to 40% off the owner's premium. Dig out your prior policy before closing; it can be worth hundreds or thousands.
Other typical closing costs
Premium is one line on the Closing Disclosure. Here's what else usually shows up on a Florida real-estate closing.
| Cost | Typically paid by | Amount |
|---|---|---|
| Deed documentary stamps | Seller (typical, except Miami-Dade) | $0.70 per $100 of sale price |
| Mortgage documentary stamps | Buyer (on new financing) | $0.35 per $100 of loan |
| Intangible tax on new mortgage | Buyer | $0.002 × loan amount |
| Recording fees | Buyer (deeds, mortgages) | $10 first page + $8.50 each additional, per instrument |
| Title search | Buyer (typical) | Quoted per file |
| Closing / settlement fee | Buyer (typical) | Quoted per file |
| Survey | Buyer (if required) | Varies by surveyor |
| Wire / courier fees | Per-transaction | At cost |
"Typically paid by" reflects common Florida practice; the parties can negotiate differently in the contract. Miami-Dade deed stamps follow a different formula on certain residential transactions.
Need a figure for a specific file?
Send us the sale price, loan amount, and county and we'll send back a full good-faith estimate of all closing costs — title premium, doc stamps, recording, survey, and our fees — the same day.