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Buying Title Insurance in Florida: What You Need to Know

Whether you’re a new-in-town buyer looking for a condominium or a seller looking for a change of scenery, there are a few things you should know about how title insurance works in Florida.

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County-by-County

Where You Live Dictates Who Pays for Title Insurance

22

Buyer pays

In Florida, the homebuyer is responsible for paying for Title Insurance in 22 counties.

44

Seller pays

In 44 counties, the seller is responsible for paying for Title Insurance.

1

It varies

In only one county (Monroe), who pays varies by the location in the county.

Who pays?

BrowardCollierColumbiaDixieEscambiaFranklinGadsdenHamiltonJeffersonLafayetteLeonLibertyMadisonMartinMiami-DadeOkaloosaSanta RosaSarasotaSuwanneeTaylorWaltonWakullaAlachuaBakerBayBradfordBrevardCalhounCharlotteCitrusClayDeSotoDuvalFlaglerGilchristGladesGulfHardeeHendryHernandoHighlandsHillsboroughHolmesIndian RiverJacksonLakeLeeLevyManateeMarionNassauOkeechobeeOrangeOsceolaPalm-BeachPascoPinellasPolkPutnamSeminoleSt. JohnsSt. LucieSumterUnionVolusiaWashingtonMonroe

Buyer pays

Seller pays

Varies within the county

hand holding discount
Butler Rebate

titlegenius by Radian offers the Butler Rebate on every Florida transaction

What it is, how it helps you save, and how to get it

The Butler Rebate

In Florida, title insurance premiums are set by the state. Generally, rebates and other discounts on premiums are prohibited in Florida. However, the Butler Rebate is an available option that allows a title company to rebate a portion of the title insurance fee. 

The Butler Rebate stems from a Florida Supreme Court case in 2000. S. Clark Butler, a Florida builder and developer, filed a lawsuit against the Florida Department of Insurance alleging that certain anti-rebate statutes are unconstitutional. The Florida Supreme Court ultimately agreed with Mr. Butler, and thus the “Butler Rebate” was born.

Essentially, the Butler Rebate is a discount on a title insurance premium that title companies can offer to the paying party.

Many title companies won’t offer you the Butler Rebate unless you request it. When you obtain a quote from titlegenius by Radian, the Butler Rebate is included on every transaction for every client. In addition to the Butler Rebate, titlegenius by Radian may help you save on closing costs and other fees.

Learn more about what we can offer and get a quote for your Florida property today.
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