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Buyer-Pay vs. Seller-Pay

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

  • 44 counties are seller-pay counties, 
  • 22 counties are buyer-pay counties and 
  • Monroe County is divided.  


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.