Florida title insurance calculator — the promulgated rates
Florida is a promulgated-rate state: the title insurance risk premium is set by rule (Fla. Admin. Code R. 69O-186.003, unchanged since 1/27/2002) — every insurer charges the same premium for the same policy. This calculator applies the rule's own bracket table and its exact rounding. Runs in your browser; nothing you enter is collected.
Promulgated premium
| Owner's policy | |
|---|---|
| Lender's policy | |
| Total risk premium |
The promulgated premium is the insurance charge only — title agents separately charge settlement/closing fees, search costs, and endorsements, which vary by agent.
The rate table, straight from the rule
- Original rates (Fla. Admin. Code R. 69O-186.003(1)): $5.75 per $1,000 up to $100,000 of liability; $5.00 per $1,000 from $100,000 to $1 million; $2.50 to $5 million; $2.25 to $10 million; $2.00 above. Minimum premium $100. Owner's and lender's original tables are identical in the rule.
- Reissue rates (rule (2)): $3.30 per $1,000 up to $100,000; $3.00 to $1 million; $2.00 to $10 million; $1.50 above — roughly forty percent off the original schedule up to the prior policy's amount, with any excess at original rates.
- Simultaneous issue (rule (5)(a)): buying with a mortgage? The lender's policy issued together with the owner's costs a minimum of $25 for coverage up to the owner's amount — the excess, if the loan exceeds the price, is charged at original rates.
- Rounding (rule text): "considering any fraction of $100.00 as a full $100.00" — liability rounds up to the next $100 before the brackets apply.
A worked example
A $400,000 purchase with a $380,000 mortgage: owner's policy $2,075.00 + simultaneous lender's policy $25.00 = $2,100.00 in promulgated premium. If the seller's own policy (say $350,000) is under three years old, the reissue schedule prices the owner's policy at $1,330.00 instead — saving $745.00. Ask the closing agent to check reissue eligibility; it's real money and often missed.
Who pays for it?
Custom, not law — and always negotiable in the contract: in most Florida counties the seller customarily pays for the owner's policy, while in Miami-Dade, Broward, Collier, and Sarasota the buyer customarily pays (and typically picks the title agent). The borrower pays the lender's policy either way.
Fine print
- Rates from Fla. Admin. Code R. 69O-186.003 (effective 1/27/2002, unchanged since), adopted under Fla. Stat. §627.782; primary source at flrules.org.
- The simultaneous-issue excess and reissue-excess calculations use the marginal continuation of the bracket table — the standard industry reading of the rule's "at original rates" language.
- Informational only, not insurance or legal advice; your title agent's quote controls, and reissue eligibility has documentary conditions (copies of the prior policy retained by agent and underwriter).
Want the why behind these numbers — the full rate card, why every company charges the same premium, what actually varies between quotes, and who customarily pays in your county? Read Florida title insurance rates, explained.
Related tools: transfer tax calculator · seller net sheet · closing cost worksheet.
Quick answers
How much is title insurance in Florida?
Florida title insurance premiums are set by state rule (Fla. Admin. Code R. 69O-186.003), unchanged since 2002: $5.75 per $1,000 of coverage up to $100,000, then $5.00 per $1,000 up to $1 million. A $300,000 policy costs $1,575 at every title company in the state — the premium is not shoppable, but the agent's separate closing fees are.
Who pays for title insurance in Florida?
County custom, not law: in most Florida counties the seller pays for the owner's policy and picks the title agent; in Miami-Dade, Broward, Collier, and Sarasota counties custom flips it to the buyer. The contract always controls.
What is the simultaneous-issue rate?
When the owner's and lender's policies issue together at closing, the lender's policy costs $25 up to the owner's coverage amount — a $500,000 purchase with a $400,000 loan runs $2,600 total, not two full premiums.
What is the Florida reissue credit?
A discounted rate schedule when a prior owner's policy covers the same land — typically a refinance, or a purchase where the seller can produce their policy. Coverage up to the prior policy amount reprices at reissue rates ($3.30 per $1,000 on the first $100,000); you usually need the prior policy in hand, so ask the closing agent early.
Data verified as of August 2026.