Who Pays for Title Insurance in Florida? 2025 Customs by County
One of the most common questions in Florida real estate is: "Who pays for title insurance?" The answer isn't a statewide rule; it's based on local customs that vary significantly from one county to another. Here's what you need to know for 2025.
The General Rule: It's Negotiable, but Custom Dictates the Norm
First and foremost, the party responsible for paying for the owner's title insurance policy is always negotiable and should be clearly defined in the real estate purchase contract. However, most transactions follow established local customs.
Regardless of who pays for the owner's policy, the buyer is typically responsible for purchasing the lender's title insurance policy if they are obtaining a mortgage.
South Florida County Customs: A Clear Breakdown
In South Florida, the customs are distinct. In the major metropolitan counties, the buyer typically pays. This custom shifts in other parts of the state.
| County | Who Typically Pays for Owner's Title Insurance? | Who Typically Selects the Title/Closing Agent? |
|---|---|---|
| Miami-Dade County | Buyer | Buyer |
| Broward County | Buyer | Buyer |
| Palm Beach County | Buyer | Buyer |
Note: These are local customs. The final allocation of costs is determined by the sales contract.
Other Major Florida Counties
| County | Who Typically Pays for Owner's Title Insurance? |
|---|---|
| Collier County (Naples) | Seller |
| Orange County (Orlando) | Seller |
| Monroe County (Florida Keys) | Seller |
Get a Clear, No-Obligation Closing Cost Estimate
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Request Your Free Closing QuoteWhy This Custom Matters
The party who pays for the owner's title policy typically has the right to choose the title company or closing agent. This is significant because the closing agent is responsible for handling all funds, ensuring documents are correctly prepared and recorded, and ensuring the title is clear.
- For Buyers (in Miami-Dade/Broward/Palm Beach): Selecting your own title company gives you control and peace of mind, knowing an expert team is protecting your investment from the start. You have the right to choose, even if the seller suggests their preferred company. Learn more about your right to choose your own title company.
- For Sellers (in Collier/Orange/Monroe): Choosing a reliable and efficient title company like Location Title & Escrow ensures a smooth process, preventing delays that could jeopardize your sale.