Do you work with Realtors and lenders?

Yes. We work closely with Realtors, mortgage lenders, investors, and homeowners to ensure smooth communication, secure escrow handling, and on-time closings.

What is title insurance and why do I need it?

Title insurance protects buyers and lenders against hidden title defects such as liens, unpaid taxes, ownership disputes, or recording errors. We conduct thorough title searches to ensure clear and marketable title before closing.

Can you handle closings outside of Jacksonville?

Yes. While our office is based in Jacksonville, we coordinate closings statewide across Florida. Remote and mobile closing options are available when permitted.

Do you offer escrow services in Jacksonville?

Yes. We provide secure escrow services for residential and commercial real estate transactions in Jacksonville and throughout all 67 Florida counties. Earnest money and closing funds are handled using strict wire fraud prevention protocols.

How much does a Florida real estate closing cost?

Closing costs vary depending on the purchase price, loan type, and location. Title Company of Florida provides transparent, itemized quotes so buyers, sellers, Realtors, and lenders understand all title and escrow fees upfront before closing.

Florida Title Insurance Rates & How They’re Calculated

If you’re buying or refinancing property, understanding Florida title insurance rates is critical.

Unlike many states, Florida has promulgated title insurance rates, meaning the base premium is set by the state — not by individual title companies.

Below is a clear breakdown of how Florida title insurance premiums are calculated and what you can expect at closing.

What Does “Promulgated Rates” Mean in Florida?

Florida title insurance premiums are regulated by the Florida Office of Insurance Regulation (OIR).

The base title insurance rate is fixed statewide
Title companies cannot charge more than the promulgated rate
Consumers pay the same base premium regardless of the agency

When people ask why title insurance costs look similar across Florida — this is why.

Florida Promulgated Title Insurance Rates (Owner’s Policy)

$5.75 per $1,000 for the first $100,000
$5.00 per $1,000 from $100,001 to $1,000,000
$2.50 per $1,000 over $1,000,000

These rates apply statewide — including Jacksonville, St. Augustine, Miami, Orlando, and Tampa.

Example: How Title Insurance Is Calculated in Florida

Example purchase price: $400,000

First $100,000:
$100,000 × 5.75 = $575

Remaining $300,000:
$300,000 × 5.00 = $1,500

Total Owner’s Title Premium = $2,075

This is the state-regulated base premium for the Owner’s Policy.

Owner’s Policy vs. Lender’s Policy: What’s the Difference?

Owner’s Title Insurance Policy

Protects you, the property owner, against financial loss from title defects, undiscovered liens, or legal claims.

Covers your full purchase price
Protects your equity
Lasts as long as you own the property
Covers legal defense if a claim arises

Lender’s Title Insurance Policy

Protects the mortgage lender only.

Required when you finance a property
Protects only the loan amount
Coverage decreases as mortgage balance decreases
Ends once the loan is paid off

A lender’s policy does not protect your personal ownership interest.

Should You Buy an Owner’s Title Insurance Policy in Florida?

While technically optional, most real estate professionals strongly recommend purchasing an Owner’s Policy.

Without it, you could be personally responsible for defending your property rights if an undiscovered issue appears after closing.

Protects your investment
One-time premium at closing
Coverage lasts as long as you own the property
Often paid by the seller in many Florida counties

Because Florida title insurance rates are promulgated, the cost is standardized statewide, making long-term protection relatively affordable.

Who Pays for Title Insurance in Florida?

In most Florida counties, the seller typically pays for the Owner’s Policy.

In Northeast Florida (Duval County and St. Johns County), this is common practice, but it can always be negotiated in the contract.

Are There Additional Title Fees?

Title search fees
Settlement or closing fees
Recording fees
Wire transfer fees
Lender-required endorsements

While premiums are regulated, these administrative fees vary depending on transaction complexity.

Reissue Rates for Refinancing

Florida allows reduced reissue rates when a prior title insurance policy exists and ownership has not changed.

This can significantly reduce refinance closing costs.

Work With a Trusted Florida Title Company

While Florida title insurance rates are regulated, service quality is not.

At Title Company of Florida, we provide:

Secure escrow handling
Wire fraud protection protocols
Proactive communication
Fast title searches
Residential, commercial, and investor closings statewide

We close transactions in all 67 Florida counties.

Have questions about Florida title insurance rates?
Call (904) 93 TITLE or email admin@titlecompanyofflorida.com

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