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Florida title insurance calculator
Owner's title insurance rates in Florida are promulgated — set by state rule — so you can estimate your premium to the dollar. Enter your numbers below.
How Florida title insurance rates work
Florida sets owner's policy premiums by state rule, on a sliding scale per $1,000 of the purchase price:
| Coverage amount | Rate per $1,000 |
|---|---|
| Up to $100,000 | $5.75 (minimum $100) |
| $100,000 – $1 million | $5.00 |
| $1 million – $5 million | $2.50 |
| $5 million – $10 million | $2.25 |
| Over $10 million | $2.00 |
When an owner's and lender's policy are issued at the same closing, the lender's policy costs just $25 (plus coverage for any loan amount above the purchase price). Refinancing? Ask us about reissue rates — you may qualify for a discount on your new policy. Want the whole schedule explained, priced at real Marion County price points? Read our guide to Florida title insurance cost and the 2026 promulgated rates.
Who typically pays what in Central Florida
Local custom in Marion County and most of Central Florida — but your contract always controls, and every line is negotiable.
Want the whole picture, both sides, with a worked $350,000 example? Read who pays closing costs in Florida — the full buyer vs seller breakdown.
Seller typically pays
- Owner's title insurance premium
- Title search
- Documentary stamps on the deed
($0.70 per $100 of price)
Buyer typically pays
- Lender's policy ($25 simultaneous)
- Recording fees
- Lender & loan charges
(if financing)
Need exact numbers? Here's who asks for what
Buying or selling
Get a full title quote — every fee on your transaction, itemized: premium, settlement fee, search, and recording.
Request a Title QuoteSellers & realtors
Run a seller net sheet — an estimate of what the seller actually walks away with after payoffs, commissions, taxes, and title fees.
Run a Net SheetLenders & refinances
Request a title fee quote for your Loan Estimate — reissue credits applied whenever the borrower qualifies.
Get a Refi Fee QuoteFAQ
Title insurance questions, answered
Who sets title insurance rates in Florida?
The State of Florida. Owner's title insurance premiums are promulgated — set by state rule (Rule 69O-186.003, Florida Administrative Code) — so the base premium is the same at every title company. What varies between companies are the service fees and, more importantly, how well your closing is handled.
Who pays for title insurance in Florida?
It's set by the purchase contract. In Marion County and most of Central Florida, the seller customarily pays for the owner's policy and picks the title company; in some South Florida counties the buyer customarily pays. Either way, it's negotiable in the contract.
What's the difference between an owner's policy and a lender's policy?
The owner's policy protects your equity in the property for as long as you own it. The lender's policy protects only the lender's loan balance. When both are issued at the same closing, the lender's policy is deeply discounted (the "simultaneous issue" rate — typically $25 plus any extra coverage).
Is title insurance a monthly cost?
No — it's a one-time premium paid at closing, and the owner's policy protects you for as long as you (or your heirs) own the property.
What other closing costs should I expect?
Beyond the premium: settlement/closing fee, title search fee, recording fees, documentary stamp taxes (in most Florida counties, $0.70 per $100 of the sale price on the deed, customarily paid by the seller), and lender charges if you're financing. Ask us for a full estimate on your exact transaction — or run a seller net sheet.
General information, not legal advice. Title agents can't give legal advice — for legal questions about your transaction, talk to a Florida real estate attorney.
Want an exact, all-in quote?
Send us the contract and we'll price the whole closing — premium, fees, taxes, everything.