Title Insurance · Florida
Published rate scheduleFlorida Title Insurance Rates (2026): The Published Schedule
Florida is one of the few states where the title insurance premium is not a quote. It is a published schedule that every insurer must charge, and the figures below are read straight off it — look up your own purchase price against the table.
Financed, at the state median
$2,024
Owner's + lender's policy on a $384,811 purchase with a $307,849 loan, per the published scheduleWhy Florida has a rate you can look up
Florida fixes the rate in rule: Florida Administrative Code r. 69O-186.003 sets the owner's premium as a cumulative charge per $1,000 of liability, and it applies to every insurer. As in Texas, the premium itself is not something you can negotiate.
The schedule on this page is published by Florida Office of Insurance Regulation, via the Florida Administrative Code. It is not an underwriter's rate card and not an industry average. Rule adopted 9-17-1971, last amended effective January 27, 2002 (rule history, flrules.org) · schedule read 2026-08-31.
The Florida rate schedule
This is the table itself. Every row is read from the published schedule and is what the lookup below evaluates — the table and the tool cannot disagree, because the tool reads this data rather than a copy of it.
| Portion of the policy amount | Charge |
|---|---|
| First $100,000 | $5.75 per $1,000 of that portion |
| $100,000 to $1,000,000 | $5.00 per $1,000 of that portion |
| $1,000,000 to $5,000,000 | $2.50 per $1,000 of that portion |
| $5,000,000 to $10,000,000 | $2.25 per $1,000 of that portion |
| Over $10,000,000 | $2.00 per $1,000 of that portion |
The lender's policy
Where an owner's and a mortgagee's policy are issued simultaneously on identical land, the rule sets $25 as the MINIMUM mortgagee charge for an amount not exceeding the owner's policy. That is a floor, not a price — this page reports it as "at least $25" and never as the Florida lender's premium.
What this schedule does not cover
The minimum premium on a standard conveyance is $100, and it binds on small purchases. Title search and exam, endorsements and settlement fees are not fixed by this rule and are not on this page.
Look up your own purchase
Enter your purchase price and, if you are financing, your loan amount. The result is the schedule applied to your numbers — not an estimate and not a range. Where the schedule does not cover an input, the tool says so rather than guessing.
Educational calculators — always consult a licensed professional before making financial decisions.
The owner's policy is written for this amount. Pre-filled with Florida's median home price.
This changes which policies are issued — and in Iowa it changes who pays for which one.
Both an owner's and a lender's policy are issued, usually at the simultaneous-issue rate.
The lender's policy is written for this amount.
Title insurance premium at closing in Florida
$2,024
One-time premium paid at closing. Search, exam, endorsement and settlement fees are separate and are not part of this figure.
What this figure does and does not say
- Florida's rule sets $25 as the MINIMUM simultaneous-issue charge for a mortgagee policy up to the owner's policy amount — it does not fix the price. Treat the lender's figure as a floor, not a quote.
- This is the premium only. Search, exam, endorsements and settlement fees are separate.
Schedule: Florida Administrative Code r. 69O-186.003, Title Insurance Rates (adopted chapter text, flrules.org) — Rule adopted 9-17-1971, last amended effective January 27, 2002 (rule history, flrules.org) · schedule read 2026-08-31
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Why there is no page like this for most states
Every other state and the District of Columbia are file-and-use: insurers file their own rates with the state and there is no single schedule to look up. There is no equivalent page for them, and there should not be — a state page whose central figure was a national average dressed up as a local rate would be worse than no page. In a file-and-use state the real answer is two quotes from two local title companies, and the spread between them is often large.
The one state we wanted to include and could not
New Mexico sets one mandatory rate, but its basic-premium bracket schedule is adopted by order of the Superintendent of Insurance and published as an appendix we could not retrieve from OSI. We will not approximate a promulgated rate, so New Mexico is shown as a range here — which understates how precisely knowable the New Mexico answer is once you have the schedule in front of you. Ask a New Mexico title company for the current basic premium rate table.
If your state is not Texas, Florida, Iowa, our national title insurance guide explains what a file-and-use state means for you and what the observed national spread is — with the warning that a national spread is not your state's rate, which is precisely why these three pages exist and forty-eight do not.
Florida Title and Settlement Rules
- deed tax / doc stamps
- Documentary stamp tax on deeds and other documents transferring an interest in Florida real property is 70 cents per $100 (or portion thereof) of total consideration in every county except Miami-Dade (s. 201.02(1)(a), F.S.). Consideration includes the balance of any mortgage on the property at transfer. Tax is paid to the county clerk/recording official at recording. (Florida Department of Revenue, retrieved 2026-09-14)
- deed tax / doc stamps
- Miami-Dade County: deed doc stamp rate is 60 cents per $100 (or portion) of consideration, plus a 45 cents per $100 discretionary surtax; the surtax does not apply to a document transferring only a single-family dwelling (s. 201.031, F.S.). (Florida Department of Revenue, retrieved 2026-09-14)
- deed tax / doc stamps
- Statute does not assign the deed doc-stamp tax to buyer or seller: all parties to the document are liable regardless of which party agrees to pay; if one party is exempt, a non-exempt party must pay (s. 201.02(1)(a), F.S.). (Florida Department of Revenue, retrieved 2026-09-14)
- deed tax / doc stamps
- Recorded mortgages and liens: documentary stamp tax of 35 cents per $100 (or portion) of the full amount of indebtedness secured, with no cap (s. 201.08, F.S.). Separately, the nonrecurring intangible tax on obligations secured by a mortgage on Florida real property is 2 mills (0.002 × amount secured, limited to Florida property value). (Florida Department of Revenue, retrieved 2026-09-14)
- title agent licensing
- A person may not act as a title insurance agent without a license issued by the Department of Financial Services. Applicants must (within 4 years before applying) complete a 40-hour title insurance course (3 hours ethics) or have 12 months of supervised title experience, and pass the licensing exam (s. 626.8417(1), (3), F.S.). Prelicensure coursework is waived for Armed Forces members/veterans and spouses (s. 626.8417(6)). (The Florida Legislature (Online Sunshine), retrieved 2026-09-14)
- title agent licensing
- Title insurers (through designated corporate officers) and attorneys admitted to The Florida Bar in good standing are exempt from title agent licensing and appointment; but an attorney-owned entity doing business as a title insurance agency (other than a law practice) must be licensed and appointed (s. 626.8417(4)-(5), F.S.). (The Florida Legislature (Online Sunshine), retrieved 2026-09-14)
- closing/settlement agent rules
- A licensed and appointed title insurance agency may act as escrow agent for closing funds; all such funds are trust funds that must be immediately placed in an FDIC/NCUSIF-insured financial institution located in Florida and kept in separate records. Misappropriation is a crime graded by amount (e.g. $100,000 or more is a first-degree felony). Attorneys acting as title/settlement agents must use a separate, insurer-auditable trust account (s. 626.8473, F.S.). (The Florida Legislature (Online Sunshine), retrieved 2026-09-14)
- endorsement rates
- Title insurance premiums are set by rule of the Financial Services Commission (not by each company), apply statewide per $100 of insurance, must be reviewed at least every 3 years, and insurers must retain at least 30% of premium on agent-issued policies (s. 627.782, F.S.). (The Florida Legislature (Online Sunshine), retrieved 2026-09-14)
- endorsement rates
- Promulgated risk-rate premium (Rule 69O-186.003, F.A.C.) for original owner's and mortgage policies: $5.75 per thousand for the first $100,000 of liability; $5.00 per thousand from $100,000 to $1 million; $2.50 per thousand over $1 million to $5 million; $2.25 to $10 million; $2.00 over $10 million; minimum premium $100. The owner's policy must be issued for full insurable value. (Florida Administrative Code (FLRules), Department of State, retrieved 2026-09-14)
- endorsement rates
- Simultaneous issue: when owner's and mortgagee's policies on identical land are issued together, the owner's policy is charged the regular owner's rate and the mortgage policy a minimum $25.00 for coverage not exceeding the owner's policy; excess loan coverage is charged at regular mortgage rates. Reissue rates ($3.30 per thousand up to $100,000) apply e.g. when the prior owner's policy is less than 3 years old (Rule 69O-186.003(2), (5)). (Florida Administrative Code (FLRules), Department of State, retrieved 2026-09-14)
- closing/settlement agent rules
- Related title services (title search, examination, closing) must be charged at no less than actual cost and shown separately on the closing statement, with the risk premium also shown separately; rebates or abatement of these charges are unlawful (Rule 69O-186.003(11), F.A.C.). (Florida Administrative Code (FLRules), Department of State, retrieved 2026-09-14)
Taxes Recorded Alongside the Title Policy at the Florida Median Price
Documentary Stamp Tax on deeds
Florida charges documentary stamp tax on deeds at $0.70 per $100 of the price (0.70%) statewide, except Miami-Dade, where the rate is $0.60 per $100 plus a $0.45 surtax that does not apply to single-family homes. (Fla. Stat. § 201.02(1)(a); Miami-Dade surtax § 201.031). (Florida Department of Revenue, retrieved 2026-09-14) Under that schedule a $384,811 sale owes $2,694.
Miami-Dade County: base rate is 60 cents per $100 plus a surtax of 45 cents per $100 (surtax not due on a document that transfers only a single-family dwelling), per § 201.031, F.S. (Florida Department of Revenue, retrieved 2026-09-14)
Documentary Stamp Tax on notes and mortgages
Florida charges documentary stamp tax on the obligation a mortgage secures at 35 cents per $100 of the amount, due when the mortgage is recorded. (Fla. Stat. § 201.08). (Florida Department of Revenue, retrieved 2026-09-14) On the $307,849 loan that comes with 20% down on this home, that is $1,077. It is paid once, at recording, and is not part of the monthly payment above.
Recording fees
Clerk of the circuit court service charge for recording an instrument up to 14 x 8.5 inches: $5.00 first page and $4.00 each additional page (§ 28.24(13), F.S.); additional statutory per-page charges under other sections may apply (Florida Legislature (Online Sunshine), retrieved 2026-09-14)
Florida title insurance questions
How much is title insurance in Florida?
On a $384,811 purchase with a $307,849 mortgage — Florida's median home price at 80% financing — the title policies come to $2,024: $1,999 for the owner's policy and at least $25 for the lender's. That is the premium only. Title search and exam, endorsements, settlement and recording fees are separate, and unlike the premium they are not fixed by the schedule.
Can I shop around for cheaper title insurance in Florida?
Not for the premium itself. Florida Office of Insurance Regulation, via the Florida Administrative Code sets one rate that every title company must charge, so the premium on an identical policy is identical at every company in Florida. What you CAN shop is everything around it: the settlement or closing fee, the title search and exam charge, courier and wire fees, and endorsements. Those are not promulgated, they are often the larger half of the title line on your closing disclosure, and they vary materially between companies. Ask for an itemised quote rather than a single "title" number.
Who pays for title insurance in Florida?
The schedule sets the rate; it does not decide who writes the cheque. That is a term of the purchase contract and it varies by county and by local custom even within one state — in some Florida markets the seller customarily pays the owner's policy, in others the buyer does, and the lender's policy is almost always the buyer's. Because it is contractual rather than regulated, it is negotiable in a way the premium is not. Check the line on your purchase agreement before you assume.
Is title insurance an annual premium?
No. Both policies are a one-time premium paid at closing, and the owner's policy lasts as long as you hold title. That is why it does not appear in your monthly escrow the way homeowners insurance and property tax do. If you refinance, a new lender's policy is usually required — many schedules discount that as a reissue rate, so ask for it by name.
Does every state publish a title insurance rate like Florida does?
No, and that is unusual rather than normal. Only a handful of states publish a schedule an outsider can look up: Texas, Florida, Iowa are the states RealCostIQ holds a schedule for, read directly from the issuing body. Every other state and the District of Columbia is file-and-use — insurers file their own rates and there is no single number. New Mexico is the frustrating middle case: it does set one mandatory rate, but its bracket schedule is adopted by order of the Superintendent of Insurance and published as an appendix we could not retrieve, so we will not print a New Mexico figure.
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