Florida · Fla. Admin. Code r. 69O-186.003Florida title insurance rates: what the owner's policy costs
In Florida the title insurance premium is set by rule, not negotiated: the owner's policy costs $5.75 per $1,000 of coverage up to $100,000, $5.00 per $1,000 from $100,000 to $1 million, $2.50 per $1,000 to $5 million and less above that, with a $100 minimum, and it must be issued for the full insurable value (Fla. Admin. Code r. 69O-186.003(1)). A lender's policy issued at the same time on the same land costs as little as $25, plus the regular rate on any amount above the owner's coverage (r. 69O-186.003(5)). If the seller's own owner's policy is less than three years old, lower reissue rates apply – $3.30 per $1,000 to $100,000 and $3.00 to $1 million (r. 69O-186.003(2)). On a $400,000 home the owner's premium is $2,075, or $1,230 at the reissue rate. Search, closing and endorsement charges are separate.
Premiums set by the rule
Owner's policy
$5.75 per $1,000 to $100,000; $5.00 to $1M; $2.50 to $5M; $2.25 to $10M; $2.00 above; minimum $100 (r. 69O-186.003(1)(a)).
Lender's policy alone
Same scale as the owner's policy; not less than the full principal debt (r. 69O-186.003(1)(b)).
Simultaneous issue
Lender's policy with an owner's policy on identical land: minimum $25 up to the owner's amount; regular rate above it (r. 69O-186.003(5)).
Reissue rate
$3.30 per $1,000 to $100,000; $3.00 to $1M; $2.00 to $10M – e.g. when the seller's owner's policy is less than 3 years old and a copy is kept (r. 69O-186.003(2)).
New home discount
First sale of a new 1–4 family home never leased or occupied by the seller: credit for the builder's prior loan policy premium, minimum $200 (r. 69O-186.003(3)).
Example – $400,000
Owner's: $575 + $1,500 = $2,075. Reissue: $330 + $900 = $1,230. Simultaneous lender's policy up to $400,000: $25.
How to check the title charges
- Ask whether the seller has an owner's policy less than three years old – and get a copy to the title agent for the reissue rate.
- Compare the owner's premium on the Closing Disclosure with the rule's scale for the price.
- Check the lender's policy line: with a simultaneous owner's policy it should be the $25 minimum up to the owner's amount.
- Remember that search, closing fees and endorsements are charged separately.
What the TC gathers
- The seller's prior owner's policy, early, if it may qualify for reissue.
- Who pays the owner's policy under the contract.
- The title commitment and premium quote matched to the contract price.
Questions buyers and sellers ask
How much is title insurance in Florida?
The owner's premium is set by rule: $5.75 per $1,000 up to $100,000 and $5.00 per $1,000 up to $1 million – $2,075 on a $400,000 home (Fla. Admin. Code r. 69O-186.003).
What is the Florida title insurance reissue rate?
$3.30 per $1,000 up to $100,000 and $3.00 per $1,000 up to $1 million, when for example the seller's owner's policy is less than three years old and a copy is kept.
How much is the lender's title policy in Florida?
Issued simultaneously with an owner's policy on the same land, as little as $25 up to the owner's amount, plus the regular rate on any excess.
Related guides
Add "request the seller's prior owner's policy" to the Florida checklist as a task with an owner and due date in ClosingCode, so the reissue rate isn't missed.
Start free trialSource: Florida Administrative Code rule 69O-186.003 (flrules.org, read October 25, 2026).
General information, not legal advice. ClosingCode is software; it is not a law firm, title agency or brokerage. This guide is not a substitute for the advice or services of an attorney.