Title Insurance on a $350,000 Home in Florida
An owner's title policy on a $350,000 purchase in Florida costs about $1,825, and the lender's policy issued with it about $25, $1,850 for both. 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.
Nearby prices
| 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 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
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.
Frequently asked questions
How much is title insurance on a $350,000 house in Florida?
About $1,825 for the owner's policy and $25 for the lender's policy when both are issued at closing, $1,850 in total, computed from the Florida 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.
Who pays for title insurance in Florida?
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.
Sources
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.
Florida title insurance overview → All Florida buyer closing costs →
Premiums are computed from the rate schedule cited above and rounded to the dollar. This is general information, not financial advice.
Florida title insurance