Florida Title Insurance Calculator – Free Purchase & Refinance Rate Estimator
Estimate your Florida title insurance premium at the 2026 state-promulgated rate. Switch between Purchase and Refinance, toggle the reissue rate, and see the exact per-tier math behind your Owner's and Lender's policy numbers — completely free, no signup.
Enter whole dollar amounts only (no commas needed). This calculator uses Florida's statewide promulgated rate schedule under Fla. Admin. Code 69O-186.003 and Fla. Stat. 627.7825.
This Florida title insurance calculator gives a free estimate of the state-promulgated premium only. It does not include the title search, examination, closing/settlement fee, recording fees, or documentary stamp taxes, and reissue eligibility ultimately depends on your underwriter's file requirements. Confirm exact figures with a licensed Florida title agency before closing. This tool is informational and is not financial, legal, or insurance advice.
What Is Florida Title Insurance and Why Does It Cost a Fixed Rate?
Title insurance protects a homebuyer or a mortgage lender against problems with a property's legal ownership history — things like forged signatures, unpaid liens, missing heirs, or recording errors that surface after closing. Florida is one of only a handful of states where the price of that protection is not negotiable. The Florida Office of Insurance Regulation sets a single, statewide premium schedule, so every licensed title agency in the state charges the exact same dollar amount for the exact same coverage, whether the closing happens in Miami, Tampa, or the Panhandle. That fixed pricing is also why a Florida title insurance calculator can return a reliable number instantly — there is no rate shopping involved, only arithmetic.
The 2026 Florida Promulgated Rate Schedule
The standard ("original") rate applies to a new Owner's Policy, a standalone Lender's Policy, or any new title insurance coverage that isn't eligible for a discount. It is charged per $1,000 of coverage in declining tiers as the amount of liability grows:
| Coverage Tier | Rate per $1,000 |
|---|---|
| $0 – $100,000 | $5.75 |
| $100,001 – $1,000,000 | $5.00 |
| $1,000,001 – $5,000,000 | $2.50 |
| $5,000,001 – $10,000,000 | $2.25 |
| Over $10,000,000 | $2.00 |
Every policy is also subject to a $100 minimum premium, regardless of how small the coverage amount is. The calculator above applies these tiers automatically and shows the dollar amount charged at each one.
Owner's Policy vs. Lender's (Mortgage) Policy
An Owner's Policy protects the buyer's equity in the home for as long as they or their heirs hold an interest in the property, and it is calculated directly on the purchase price using the schedule above. A Lender's Policy (also called a mortgage or loan policy) protects only the bank's lien, shrinks as the loan balance is paid down, and is required on nearly every financed purchase. When both policies are issued together at the same closing — known as simultaneous issue — Florida lets the Lender's Policy ride along for a flat $25 once the Owner's Policy has already been paid for, as long as the loan amount doesn't exceed the home's purchase price. If a cash-out loan exceeds the purchase price, the excess is billed at the standard marginal rate, which the calculator above accounts for automatically.
Using This Calculator for a Florida Title Insurance Refinance Estimate
A refinance only requires a new Lender's Policy — your existing Owner's Policy stays in force, since you aren't changing ownership. Switch the calculator to Refinance mode and enter the new loan amount to see the standard-rate premium. If the property already carries a qualifying prior Owner's or Loan Policy, Florida allows the discounted reissue rate instead, which can meaningfully lower the cost of a Florida title insurance calculator refinance estimate. Check the reissue box above to compare both numbers side by side.
The Reissue Rate: A Discount for Recent Owners and Refinances
When a property was insured by a Florida title policy within the qualifying period, the insurer can charge the lower reissue rate instead of the full original rate on a new policy. The reissue schedule is:
| Coverage Tier | Reissue Rate per $1,000 |
|---|---|
| $0 – $100,000 | $3.30 |
| $100,001 – $1,000,000 | $3.00 |
That's roughly a 40% discount versus the original rate on the same coverage, which is why it's worth checking the reissue box if you recently purchased the property, refinanced it before, or had any prior title work done by a Florida insurer. Your title agent will confirm whether your specific file qualifies.
Worked Florida Title Insurance Calculation Examples
Example 1 — Purchase with a loan, no reissue: A $300,000 purchase with a $240,000 loan and an Owner's Policy at the standard rate comes to $575 (first $100,000) + $1,000 (remaining $200,000) = $1,575 for the Owner's Policy, plus a flat $25 simultaneous-issue Lender's Policy, for a total of $1,600.
Example 2 — Refinance, with and without reissue: A $250,000 refinance loan priced at the standard rate is $575 + $750 = $1,325. The same loan amount, if a qualifying prior policy exists and the reissue rate applies, is $330 + $450 = $780 — a savings of $545 simply for qualifying.
Example 3 — Higher-value purchase crossing a rate tier: A $1,200,000 purchase with a $960,000 loan has an Owner's Policy premium of $575 (first $100,000) + $4,500 (next $900,000) + $500 (remaining $200,000 at the $1M+ tier) = $5,575, plus the $25 simultaneous Lender's Policy, for a total of $5,600.
How Florida Compares to Title Insurance Cost by State
Title insurance cost by state varies more than most buyers expect, mainly because states regulate the premium in very different ways. Florida and New York both promulgate or closely regulate their rates, so a title insurance calculator for either state can return one definitive number per coverage amount — which is exactly the model this Florida-specific tool follows. Other states run on negotiated or filed rates instead: a New Jersey title insurance calculator, a title insurance calculator for North Carolina, or a Pennsylvania title insurance calculator typically has to ask for the specific underwriter and county, because two agencies in the same state can legally charge different amounts for identical coverage. That's also the reason you'll often see people search for a specific underwriter's tool, like a Fidelity Title Insurance Calculator — in non-promulgated states, the company you choose can change the price, while in Florida it never does.
If you're comparing costs across state lines, the practical takeaway is: in Florida (and other promulgated-rate states), focus your shopping on the title agency's separate search, exam, and settlement fees, since the insurance premium itself is fixed by law. In negotiated-rate states, it's worth requesting quotes from a few underwriters — including major national names like Fidelity National Title, Old Republic Title, First American Title, and Stewart Title — since the premium itself can differ between them.
Frequently Asked Questions – Florida Title Insurance Calculator
Q: Is this Florida title insurance calculator free to use?
A: Yes — it's completely free, with no signup, and you can run as many purchase or refinance estimates as you need.
Q: How is Florida title insurance calculated?
A: Using the state's promulgated per-$1,000 rate tiers shown above, applied to the purchase price for an Owner's Policy or the loan amount for a Lender's Policy, subject to a $100 minimum premium.
Q: Can I use this calculator for a refinance?
A: Yes — switch to Refinance mode, enter your new loan amount, and check the reissue box if a qualifying prior policy exists on the property.
Q: Does title insurance cost differ by state?
A: Yes. Florida and New York promulgate fixed statewide rates, while states like New Jersey, Pennsylvania, and North Carolina allow more rate variation between title companies, so the underwriter you pick can matter more there than it does in Florida.
Q: Which companies issue title insurance policies in Florida?
A: National underwriters such as Fidelity National Title, Old Republic Title, and First American Title all write Florida policies alongside many independent local agencies — but since Florida's rate is fixed by state rule, the premium is identical regardless of which one you use.
Use the Florida title insurance calculator above to get an instant, free estimate of your Owner's and Lender's policy premiums for a purchase or refinance, complete with a full tier-by-tier breakdown — no signup required.