Who Pays for Title Insurance in Florida?

Unlike many states where buyers typically pay for title insurance, Florida’s payment responsibility varies by county. In some counties (like Miami-Dade and Broward), the buyer pays for title insurance. In others (like Palm Beach), the seller typically covers the cost.

However, this is negotiable and can be adjusted in your purchase contract. Be sure to talk to your real estate agent or attorney about local practices and how to structure your offer.