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Plain-English explanations of Florida title insurance, the rules that shape a Florida closing, and the terms you will see along the way.
Title Insurance
Title insurance protects against covered problems with ownership of a property. In Florida, title insurance premiums are set by state rule, and whether the buyer or seller customarily pays for the owner's policy depends on the county.
Florida Rules & Process
Florida statutes and administrative rules set taxes such as documentary stamp tax and the intangible tax on new mortgages. These guides cover those rules, common county customs, and the usual steps from contract to closing.
Glossary
Short definitions of terms that appear in Florida contracts, closing disclosures, and title documents, with links to the statute or rule where one applies.
- Documentary stamp tax on deedsThe Florida tax on documents that transfer an interest in real property.
- Estoppel certificateAn association's statement of what is owed on a property as of a given date.
- Promulgated rateA title insurance premium rate set by the State of Florida.
- ProrationsHow ongoing costs are divided between buyer and seller at closing.
Guides are educational, not legal advice. Your contract and your closing agent control the details.