Coastal Collective Title

Florida Title Insurance Calculator

Calculate your Florida title insurance premium instantly. All premiums are promulgated by the State of Florida, so every title company charges the same rate. Enter your transaction details below to see the breakdown.

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Coastal Collective Title

Coastal Collective Title

3309 West Bay to Bay Blvd

Tampa, FL 33629

813-544-8626

orders@coastalcollectivetitle.com

Title Insurance Estimate · Prepared August 17, 2026

Lori LaCoppola

Prepared By

Lori LaCoppola

Owner / Managing Partner

Lori@CoastalCollectiveTitle.com

813-544-8626

Premium Estimate

Owner's Title Premium$1,825.00
Lender's Title Premium(simultaneous $25)$25.00
Total Premium$1,850.00

Rate Tier Breakdown

First $100,000 @ $5.75/K$575.00
$100,001 - $1,000,000 @ $5.00/K$1,250.00
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Estimate only, not a quote or commitment to insure. Title premium is promulgated by the State of Florida; service fees and endorsements vary by transaction. Figures are based on the information entered and should be confirmed with your closing agent.

Coastal Collective Title · 3309 West Bay to Bay Blvd, Tampa, FL 33629 · 813-544-8626 · coastalcollectivetitle.com

Never wire funds without calling us at 813-544-8626 to verify wire instructions verbally. We will never email you a change of wire instructions.

Estimate only, not a quote or commitment to insure. Title premium is promulgated by the State of Florida; service fees and endorsements vary by transaction.

Frequently Asked Questions

How are Florida title insurance premiums calculated?+
Florida title insurance premiums are promulgated (set by the state) under FL Admin Code Rule 69O-186.003. The rate is tiered: $5.75 per thousand on the first $100,000 of coverage, $5.00 per thousand from $100,001 to $1,000,000, and lower rates above that. Every title company in Florida charges the same premium for the same coverage amount.
What is a simultaneous issue lender policy?+
When you purchase a home with a mortgage, the lender requires its own title insurance policy. If the lender policy is issued at the same time as the owner policy (simultaneous issue), the lender premium is just $25 as long as the loan amount does not exceed the purchase price.
What is the reissue rate for title insurance in Florida?+
If the property has an existing title insurance policy issued within the last three years, the new policy qualifies for a reissue (or refinance) rate: $3.30 per thousand on the first $100,000 and $3.00 per thousand above that, saving roughly 40% compared to standard rates.
Who pays for title insurance in Florida?+
In most Florida counties including Hillsborough, Pinellas, Pasco, and Polk, the seller customarily pays for the owner title insurance policy. In some South Florida counties like Sarasota, Broward, Collier, and Miami-Dade, the buyer typically pays. This is negotiable between the parties.
Is the title insurance premium a one-time cost?+
Yes. Unlike homeowners insurance, title insurance is a one-time premium paid at closing. The owner policy protects the buyer (and their heirs) for as long as they own the property, with no annual renewal.
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