Florida Title Insurance Calculator
Use our free Florida title insurance calculator to estimate the owner’s title insurance policy, the lender’s policy, and the state doc stamp and intangible taxes on your purchase. Florida title insurance premiums are set by state rule, so the premium for a given policy amount is the same at every title company. Get an exact Florida title insurance quote.
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How Much Is Title Insurance in Florida? Quick Answer
Florida’s promulgated owner’s title insurance rate is $5.75 per $1,000 for the first $100,000 of coverage and $5.00 per $1,000 from $100,000 to $1 million, with lower rates above $1 million and a $100 minimum premium. On a $400,000 home the owner’s policy is $2,075. When a lender’s policy is issued at the same time, the simultaneous issue charge is typically $25 as long as the loan does not exceed the purchase price. Florida also charges doc stamp tax on the deed ($0.70 per $100 in most counties) and, when there is a loan, doc stamps on the mortgage ($0.35 per $100) and intangible tax (0.2% of the loan).
Florida Title Insurance Rates
| Policy amount | Rate per $1,000 |
|---|---|
| Up to $100,000 | $5.75 |
| $100,000 to $1 million | $5.00 |
| $1 million to $5 million | $2.50 |
| $5 million to $10 million | $2.25 |
| Over $10 million | $2.00 |
Source: Florida Administrative Code Rule 69O-186.003. Minimum premium $100. Any fraction of $100 of coverage counts as a full $100.
Owner’s Title Insurance Examples
| Purchase price | Owner’s policy | Deed doc stamps (most counties) |
|---|---|---|
| $250,000 | $1,325 | $1,750 |
| $400,000 | $2,075 | $2,800 |
| $550,000 | $2,825 | $3,850 |
| $750,000 | $3,825 | $5,250 |
| $1,000,000 | $5,075 | $7,000 |
Ways to Lower Your Title Insurance Cost
- Reissue rate: if the seller has an owner’s policy issued within the last three years (for improved property), a reduced reissue rate may apply. Ask the seller for their prior policy.
- Simultaneous issue: the lender’s policy is typically $25 when issued with the owner’s policy.
- Compare settlement fees: the premium is fixed by the state, but settlement, search and other fees vary between title companies. See our Florida title insurance costs guide and the $299 military and first responder settlement fee.
Who Pays for Title Insurance in Florida?
It depends on the contract and local custom. In much of Northeast Florida the buyer often chooses the title company and pays for the owner’s policy, while in much of South Florida the seller often does. Read more in who pays title insurance in Florida.
Frequently Asked Questions
Is title insurance the same price at every Florida title company?
The premium is. Florida promulgates title insurance rates, so the premium for the same policy amount and discounts is the same everywhere. Settlement and other fees differ.
Is owner’s title insurance a one-time cost?
Yes. You pay the premium once at closing and coverage lasts as long as you or your heirs own the property.
What is the minimum title insurance premium in Florida?
$100.
Does this calculator include all closing costs?
No. It covers the title insurance premiums and state taxes. Settlement, search, recording, lender and HOA fees are separate. Use our buyer closing cost calculator and seller closing costs guide.
Want an Exact Number?
Send us your contract or property address and we will send a written Florida title insurance quote with every fee itemized.
Estimates only. Rates current as of November 2026 and subject to change by the Florida Office of Insurance Regulation. Title Company of Florida is a Florida licensed title agency (License #G324751).
Our Family of Companies
- Homes for sale in St. Augustine and Nocatee with Tanya Cosmini, Broker/Owner
- Realty ONE Group Elevate, a full-service real estate brokerage with offices in Jacksonville and St. Augustine
- Rental Property Partners, property management in Jacksonville, St. Augustine, and Ponte Vedra
Affiliated business disclosure: Realty ONE Group Elevate is owned by Tanya Cosmini. Title Company of Florida is owned by her husband, Sam Gorniak, and Rental Property Partners is owned within the same family. Because of these family relationships, the owners may benefit when you use more than one of these companies. You are not required to use any of them and are free to choose other providers.