Florida Promulgated Title Insurance Rate Schedule
Title insurance rates in Florida are set by the state. The rate is $5.75 per $1,000 on the first $100,000 of coverage, and $5.00 per $1,000 on coverage from $100,001 to $1,000,000.
The table below shows the title insurance premium for a single policy based on the coverage amount (which typically matches the property value or loan amount).
| Coverage Amount | Title Insurance Premium |
|---|---|
| $100,000 | $575 |
| $105,000 | $600 |
| $110,000 | $625 |
| $115,000 | $650 |
| $120,000 | $675 |
| $125,000 | $700 |
| $130,000 | $725 |
| $135,000 | $750 |
| $140,000 | $775 |
| $145,000 | $800 |
| $150,000 | $825 |
| $155,000 | $850 |
| $160,000 | $875 |
| $165,000 | $900 |
| $170,000 | $925 |
| $175,000 | $950 |
| $180,000 | $975 |
| $185,000 | $1,000 |
| $190,000 | $1,025 |
| $195,000 | $1,050 |
| $200,000 | $1,075 |
| $205,000 | $1,100 |
| $210,000 | $1,125 |
| $215,000 | $1,150 |
| $220,000 | $1,175 |
| $225,000 | $1,200 |
| $230,000 | $1,225 |
| $235,000 | $1,250 |
| $240,000 | $1,275 |
| $245,000 | $1,300 |
| $250,000 | $1,325 |
| $255,000 | $1,350 |
| $260,000 | $1,375 |
| $265,000 | $1,400 |
| $270,000 | $1,425 |
| $275,000 | $1,450 |
| $280,000 | $1,475 |
| $285,000 | $1,500 |
| $290,000 | $1,525 |
| $295,000 | $1,550 |
| $300,000 | $1,575 |
| $325,000 | $1,700 |
| $350,000 | $1,825 |
| $375,000 | $1,950 |
| $400,000 | $2,075 |
| $425,000 | $2,200 |
| $450,000 | $2,325 |
| $475,000 | $2,450 |
| $500,000 | $2,575 |
| $525,000 | $2,700 |
| $550,000 | $2,825 |
| $575,000 | $2,950 |
| $600,000 | $3,075 |
| $625,000 | $3,200 |
| $650,000 | $3,325 |
| $675,000 | $3,450 |
| $700,000 | $3,575 |
| $725,000 | $3,700 |
| $750,000 | $3,825 |
| $775,000 | $3,950 |
| $800,000 | $4,075 |
| $825,000 | $4,200 |
| $850,000 | $4,325 |
| $875,000 | $4,450 |
| $900,000 | $4,575 |
| $925,000 | $4,700 |
| $950,000 | $4,825 |
| $975,000 | $4,950 |
| $1,000,000 | $5,075 |
How the Rate Is Calculated
Florida title insurance rates are set by the Florida Department of Financial Services. The calculation uses a two-tier structure:
- $5.75 per $1,000 on the first $100,000 of coverage
- $5.00 per $1,000 on coverage from $100,001 to $1,000,000
For example, a $250,000 policy: the first $100,000 = $575, plus the next $150,000 at $5.00/1,000 = $750. Total premium = $1,325.
What This Table Covers
These rates apply to both owner's title insurance and lender's title insurance policies issued in Florida. The premium is typically a one-time cost paid at closing.
Additional fees may apply for endorsements, higher coverage amounts, or other policy changes. Contact Level 10 Title for a quote based on your specific transaction.
Closing and Settlement Fee
In addition to the title insurance premium, our settlement fee is $695 per transaction. This covers settlement statement preparation and fund distribution. Title search, examination, and recording fees are extra.
Recording fees, transfer taxes, and other government charges are additional and vary by transaction.
Closing & Settlement Fee
Settlement statement preparation and fund distribution. Title search, examination and recording fees are separate.
Get a Quote