Florida Title Insurance
By County
Verified Title is a licensed Florida title insurance company serving all 67 Florida counties. We issue owner's title insurance and lender's title insurance policies for residential purchases, refinances, cash transactions, 1031 exchanges, and commercial closings — with a title coordinator assigned within 1 business hour of opening your order.
All 67 Florida Counties
Select your county below to learn about title insurance services, closing costs, local county clerk information, and a complete list of cities we serve in that area.
Florida title insurance — rates and rules are statewide
One thing every Florida county page on this site has in common: the title insurance premium is identical. Florida title insurance rates are promulgated by the Florida Office of Insurance Regulation. That means every licensed agent — in every county from Escambia in the western Panhandle to Monroe in the Keys — charges the same premium for the same policy amount. There is no shopping around on price.
The base owner's policy is $5.75 per $1,000 of coverage on the first $100,000 and $5.00 per $1,000 above that. A $300,000 home runs about $1,575 in owner's premium. The lender's policy, when issued at the same time as the owner's, adds a $25 simultaneous-issue fee. If you refinance within three years of your original purchase, the reissue rate can cut up to 40 percent off the new premium.
What does vary by county is local custom — particularly who pays for the owner's policy, and what the recording office charges per page. The individual county pages below break those details down.
Florida documentary stamps & recording fees
Beyond title insurance itself, every Florida closing includes documentary stamp taxes and county recording fees. These are statutory amounts — they apply the same in every county, with one local exception.
Documentary stamps on the deed are charged at $0.70 per $100 of the sale price in 66 of Florida's 67 counties. Miami-Dade County is the exception: deed stamps there are $0.60 per $100, plus a $0.45 per $100 surtax on transfers other than single-family residences. Documentary stamps on the promissory note (financed deals only) add $0.35 per $100 of the loan, and Florida intangible tax adds $0.002 per $1 of new mortgage. Recording is $10 for the first page and $8.50 per additional page at every county clerk in the state.
If you want a worked example for your specific county, including who customarily pays for the owner's policy there, open that county's page below.
Buyer-pays vs. seller-pays counties
Most of Florida follows the seller-pays custom: the seller traditionally covers the owner's title insurance premium. Four counties go the other way — Miami-Dade, Broward, Sarasota, and Collier — where the buyer traditionally pays the owner's premium. None of this is statutory. The custom shows up in the standard contract's default checkbox, but it is always negotiable. Plenty of South Florida deals split the cost differently in a competitive offer.
Open a Florida Title Insurance Order
No matter which county your property is in — we can open your title order today and assign a coordinator within 1 business hour.