How Much Does Title Insurance Cost in Florida?
Florida Title Insurance Cost Breakdown
Owner’s Title Insurance Premiums
These are the state-mandated rates (as of the latest available info):
Purchase Price Title Insurance Premium
Up to $100,000 $5.75 per $1,000
Over $100,000 $5.00 per $1,000
The rate decreases as the price increases.
Example Premiums (One-Time Payment at Closing)
Home Price Estimated Owner’s Title Insurance Cost
$150,000 $750
$250,000 $1,075
$400,000 $1,775
$600,000 $2,775
These are rough estimates, not including extras like endorsements or closing fees.
Lender’s Title Insurance Cost
Based on loan amount, not purchase price.
Usually slightly lower than the owner’s policy.
Often required when you're buying with a mortgage or refinancing.
Discounts & Tips
Reissue credit: If the home was recently insured (typically within 3 years), you might qualify for a discount of up to 40%.
Simultaneous issue: Buying both an owner’s and lender’s policy at the same time? The lender’s policy usually gets a deep discount.
Total Closing Costs Reminder
Title insurance is just one piece of the closing costs pie — usually 0.5% to 1% of the purchase price in Florida. Click here for more information about Title Giant rates.
