County custom typically determines who will have to pay for owner's title insurance. In Seller-Pay counties, the seller will typically pay for the buyer's title insurance. In Buyer-Pay counties, the buyer will pay for the owner's title insurance policy.
67 counties in the state,
WHICH ONE IS YOUR COUNTY?
SELLER PAY COUNTIES:
Alachua, Baker, Bay, Bradford, Brevard, Calhoun, Charlotte, Citrus, Clay, Desoto, Duval, Flagler, Gilchrist, Glades, Gulf, Hardee, Hendry, Hernando, Highlands, Hillsborough, Holmes, Indian River, Jackson, Lake, Lee, Levy, Manatee, Marion, Monroe*, Nassau, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Pinellas, Polk, Putnam, Seminole, St. John, St. Lucie, Sumter, Union, Volusia, Washington.
BUYER PAY COUNTIES:
Broward, Collier, Columbia, Dade, Dixie, Escambia, Franklin, Gadsden, Hamilton, Jefferson, Lafayette, Leon, LIberty, Martin, Monroe*, Okaloosa, Santa Rosa, Sarasota, Suwanee, Taylor, Walton, Wakulla.
*Monroe is a split county
**The above are county customs. The party responsible to pay the owner's title insurance and closing costs can also be negotiated by contract.