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(minimum premium $100) |
| $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, the lender's policy is issued for a flat $25 instead of a separate premium. Almost every financed purchase qualifies.
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.