Florida Title Insurance
By County

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.

Why the county still matters

If the premium is statewide, you might reasonably ask why the county matters at all. It matters because the record lives there. Every deed, mortgage, lien, and judgment against your property sits in one county clerk's index, and that is the index our examiner searches. A parcel on a county line can even carry filings in two.

Recording happens there too. When your closing funds, the deed travels to that clerk, and the ownership becomes public at the moment it is stamped. Until then the transfer exists only on paper in a file. So the clerk's turnaround, and whether the county accepts electronic recording, genuinely affects your closing day.

Local practice varies in smaller ways as well. Some counties run heavier code enforcement programs, which means more municipal liens to chase. Others sit in flood or coastal construction zones where surveys and elevation questions surface more often. A few carry unusually long chains because the land was platted early. None of this changes the price of Florida county title insurance, but all of it changes how long a file takes.

What every county page covers

Each of the 67 pages below follows the same structure, so you can find the same fact in the same place every time. You get the county seat and the full list of communities we serve. You get the promulgated premium worked through on a $300,000 example. You also get the documentary stamp math for that county, including the Miami-Dade exception where it applies.

Beyond the numbers, each page walks the closing sequence from opening the order through recording at that county's clerk. It explains who customarily pays for the owner's policy there, and it answers the four questions our coordinators field most often about that area.

You can verify the underlying rate schedule and check any agent's license yourself through the Florida Office of Insurance Regulation. We would rather you confirm it than take our word for it.

One practical note before you pick a county. If your property sits near a county line, or if the parcel was split at some point, the chain may run through two clerks. Tell us the address and we will check both. It costs nothing at the start and it is expensive to discover late.

The same goes for properties that changed hands through a tax deed, a foreclosure, or an estate. Those transfers carry procedural requirements of their own, and if the paperwork behind one fell short, the defect travels forward to every owner since. So the county page tells you the local mechanics, but the chain itself is what decides how long your file takes. Send us the address and we will tell you which of the two you are dealing with.

Out-of-state buyers ask whether the county affects how they sign, and it does not. Florida authorizes remote online notarization statewide under Statute 117.265, so you can close on a Panhandle property from another country if you need to. What the county governs is where the deed records and how quickly that clerk turns it around, not where you have to stand when you sign it.

Pick your county from the list above to see the local detail, or call us with the address if you would rather skip the reading. Either route gets you to the same coordinator.

Buyer-pays vs. seller-pays counties

Most of Florida follows the seller-pays custom, so the seller traditionally covers the owner's premium. Four counties go the other way: Miami-Dade, Broward, Sarasota, and Collier. None of this is statutory, though. The custom shows up in the standard contract's default checkbox, but it stays negotiable. Plenty of South Florida deals split the cost differently in a competitive offer.