Who pays the cost of title insurance in Florida?


Usually, it's the buyer who pays the cost of title insurance in Florida. After all, it will be his interests that will be protected. As the payer of the title insurance, you get to choose which title insurance company or title agent you want.

But really, the question of who pays the cost of title insurance in Florida is not dependent on the state, but may vary from county to county, depending on where the property is located.

That means that closing costs are negotiable. It depends on the agreement between the seller and the buyer. The fees and costs related to closing may be paid by either, as long as this is specified in the sales contract.

What may happen is that the seller pays for the owner's title insurance policy while the buyer shells out the money for the mortgage title insurance, as well as title endorsements.

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