Florida Title Insurance Cost: What an Owner's and Lender's Policy Costs

An owner's title insurance policy on a $416,800 Florida home costs about $2,159, and the lender's policy issued with it about $25, under the state-set rate schedule. The owner's policy rate is $5.75 per $1,000 up to $100,000, $5 per $1,000 from $100,000 to $1,000,000, $2.50 per $1,000 from $1,000,000 to $5,000,000, $2.25 per $1,000 from $5,000,000 to $10,000,000, $2 per $1,000 above $10,000,000, with a minimum premium of $100.

Florida title insurance by purchase price

Purchase price	Owner's policy	Lender's policy (issued together)	Both policies
$150,000	$825	$25	$850
$200,000	$1,075	$25	$1,100
$250,000	$1,325	$25	$1,350
$300,000	$1,575	$25	$1,600
$350,000	$1,825	$25	$1,850
$400,000	$2,075	$25	$2,100
$450,000	$2,325	$25	$2,350
$500,000	$2,575	$25	$2,600
$600,000	$3,075	$25	$3,100
$700,000	$3,575	$25	$3,600
$800,000	$4,075	$25	$4,100
$1,000,000	$5,075	$25	$5,100

Florida is a promulgated-rate state: the insurance regulator sets one title insurance rate that every underwriter must charge, so the premium is the same wherever you close. Schedule shown: All Florida-licensed title insurers (promulgated statewide rate).

Florida title insurance calculator

Enter a purchase price to see the owner's and lender's policy premiums from the filed Florida rate schedule.

Who pays for the owner's policy

Who pays for the owner's policy in Florida varies by county and by contract. Not fixed by statute; determined by FAR/BAR contract custom. In most of Florida the SELLER customarily pays for the owner's title policy; in several Southeast Florida counties (most notably Miami-Dade, and commonly Broward and Collier), local custom shifts this to the BUYER. Confirm local custom per county before publishing a single statewide answer.

When the owner's and lender's policies are issued together at closing, the lender's policy is charged at the reduced simultaneous-issue rate (a flat $25); that is the lender figure used on this page.

Title insurance at the county median price

The rate schedule is statewide; what changes from county to county is the home price. The ten most populous counties are shown; every Florida county is in the list below.

County	Median home price	Owner's policy
Brevard County	$304,400	$1,597
Duval County	$274,900	$1,450
Hillsborough County	$333,300	$1,742
Lee County	$326,300	$1,707
Pasco County	$265,800	$1,404
Pinellas County	$319,000	$1,670
Polk County	$240,000	$1,275
Sarasota County	$373,100	$1,941
Seminole County	$357,300	$1,862
Volusia County	$278,000	$1,465

All 67 Florida counties

Title insurance in Florida cities

City	Median home price	Owner's policy
Jacksonville	$266,100	$1,406
Miami	$475,200	$2,451
Tampa	$375,300	$1,952
Orlando	$359,000	$1,870
St. Petersburg	$331,500	$1,733
Hialeah	$359,200	$1,871
Port St. Lucie	$327,700	$1,714
Cape Coral	$339,200	$1,771
Tallahassee	$276,000	$1,455
Fort Lauderdale	$455,600	$2,353

All 80 Florida cities over 50,000 people

What the two policies cover

The owner's policy protects your equity against title defects that predate your purchase: undisclosed liens, forged deeds, missing heirs, recording errors. The lender's policy protects only the mortgage lender for the loan amount and is required by nearly every lender. Premiums are one-time and paid at closing. Because the rate is set by the state, the only way to pay less is to buy a less expensive home; you can still compare settlement and endorsement fees.

Frequently asked questions

How much is title insurance in Florida?

On a $416,800 home, the Florida median, an owner's title policy costs about $2,159 under the filed rate schedule, and the lender's policy issued with it costs $25, so both policies together are about $2,184. The premium rises with the purchase price; the table on this page shows it from $150,000 to $1,000,000.

Who pays for title insurance in Florida?

Is title insurance a one-time cost?

Yes. Both the owner's policy and the lender's policy are paid once at closing and cover the property for as long as you (or your lender) hold an interest in it. There are no annual premiums.

Can I shop for title insurance in Florida?

The premium itself is set by the state, so every title company charges the same rate; you can still compare the settlement, search and endorsement fees, which are not regulated the same way.

Sources

Fla. Admin. Code R. 69O-186.003, Title Insurance Rates (Office of Insurance Regulation, promulgated under Fla. Stat. 627.782), rule text effective 01/27/2002, current version

Rates as filed or promulgated, checked September 22, 2026. Premiums are computed from the schedule above and rounded to the dollar; endorsements, settlement fees and search fees are separate. All sources.

See all Florida buyer closing costs →

Premiums are computed from the rate schedule cited above and rounded to the dollar; your title company's quote may add endorsements, search and settlement fees. This is general information, not financial advice.

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