Title Insurance in Florida: Promulgated Rates, Who Pays by County & Licensing
Florida sets title insurance premiums by rule: the promulgated rate is $5.75 per $1,000 of coverage up to $100,000, and $5.00 per $1,000 above that (up to $1 million). Every title agency charges the same premium — but who pays for it is decided by county custom, and Miami-Dade and Broward famously flip the rule that applies in the rest of the state.
Florida's promulgated title insurance rates
Florida's Office of Insurance Regulation promulgates title insurance premiums statewide. The formula is simple:
- $5.75 per $1,000 of coverage up to $100,000;
- $5.00 per $1,000 from $100,000 up to $1 million (lower brackets apply above that).
Example: on a $300,000 purchase, the owner's policy premium is 100 × $5.75 + 200 × $5.00 = $1,575. When a lender's policy is issued simultaneously with the owner's policy, it typically adds only a small "simultaneous issue" charge.
Who pays? Depends on the county
This is the part that surprises people relocating within Florida:
- Most Florida counties: the seller customarily pays for the owner's policy and picks the title agent.
- Miami-Dade and Broward: the buyer customarily pays — and therefore usually picks the agent.
Custom is not law: the purchase contract controls, and everything is negotiable. But knowing the local default matters when you're comparing offers.
Title agent, title agency, or attorney?
In Florida, closings can be handled by a licensed title agency or by a real estate attorney acting as agent for a title insurer. Both issue the same promulgated-rate policies. What differs is the closing/settlement fee each charges — compare that line item, not the premium.
Verifying a Florida title agency's license
Title agencies are licensed by the Florida Department of Financial Services (DFS). Every green License Verified badge in our Florida directory is an exact match against the official DFS licensee file — see how our verification works. Confirm current status with DFS before closing.
Find a title company in Florida
Browse Florida title companies by city, including Tampa and Miami, with ratings, hours and verified licenses.
Frequently asked questions
Who pays for title insurance in Florida?
It varies by county custom. In most Florida counties the seller pays for the owner's policy. In Miami-Dade and Broward counties, the buyer customarily pays. It's always negotiable in the contract.
How much is title insurance in Florida?
The promulgated rate is $5.75 per $1,000 of coverage up to $100,000, then $5.00 per $1,000 from $100,000 to $1 million. For a $300,000 home that works out to $1,575 for the owner's policy.
How do I verify a Florida title agency's license?
Title agencies are licensed by the Florida Department of Financial Services (DFS) — you can search its Licensee Search. Our "License Verified" badges are exact matches against the DFS licensee records.
Last updated July 18, 2026. This article is general information, not legal or financial advice.