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Who Pays for Title Insurance in Florida?
In most Florida counties the seller pays for the buyer's owner's title policy. In a few, including Miami-Dade, Broward, Sarasota, and Collier, the buyer customarily pays. It's always negotiable.
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What to know
The short answerArea Who customarily pays the owner's policy Most Florida counties (Orlando, Tampa, Jacksonville, Space Coast) Seller Miami-Dade, Broward, Sarasota,…
| Area | Who customarily pays the owner's policy |
|---|---|
| Most Florida counties (Orlando, Tampa, Jacksonville, Space Coast) | Seller |
| Miami-Dade, Broward, Sarasota, Collier | Buyer, by local custom |
Customs vary and change; what matters is what your contract says. Confirm with your title company.
How much it costsFlorida sets title insurance premiums by law. On a $400,000 sale, the owner's policy is about $2,075 (roughly $5.75 per $1,000 on the first $100,000…
Florida sets title insurance premiums by law. On a $400,000 sale, the owner's policy is about $2,075 (roughly $5.75 per $1,000 on the first $100,000 and $5.00 per $1,000 after that). Estimate yours with the closing costs calculator.
Who chooses the title company?Usually whoever pays for the owner's policy. If you're paying, you can choose; it's still negotiable in the contract.
Usually whoever pays for the owner's policy. If you're paying, you can choose; it's still negotiable in the contract.
Questions, answered
Does the seller pay title insurance in Florida?In most counties, yes, for the owner's policy. In Miami-Dade, Broward, Sarasota, and Collier the buyer customarily pays.
In most counties, yes, for the owner's policy. In Miami-Dade, Broward, Sarasota, and Collier the buyer customarily pays.
Can I negotiate who pays?Yes. The contract decides; local custom is just the default.
Yes. The contract decides; local custom is just the default.
Are title insurance rates the same everywhere in Florida?The premium rates are set by the state; settlement and search fees vary by company.
The premium rates are set by the state; settlement and search fees vary by company.
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Updated October 2026. General information, not legal or tax advice.