Title Insurance

Florida Title Insurance Rate Structure (Rule 69O-186)

• Tier 1 (first $100K): $5.75 per $1,000 of liability
• Tier 2 ($100K – $1MM): $5.00 per $1,000 above $100,000
• Tier 3 ($1MM – $5MM): $2.50 per $1,000 above $1MM
• Tier 4 ($5MM – $10MM): $2.25 per $1,000 above $5MM
• Tier 5 (over $10MM): $2.00 per $1,000 above $10MM
• Example $5MM property: $575 + $4,500 + $10,000 = $15,075 owner's title premium
• Lender's simultaneous issue: $25 in addition to owner's premium on loans up to liability of owner's policy
• Reissue credit: partial credit available if prior policy issued within defined window

Standard vs. Extended Coverage; Common Endorsements

• Standard ALTA Owner's Policy: base coverage; excludes survey-related matters, off-record matters
• Extended (Comprehensive): typically requires ALTA survey and removes general survey exception
• ALTA 9 (Comprehensive endorsement): additional protections for environmental, zoning, encroachment
• ALTA 17 (Access): insures access to public road
• ALTA 19 (Contiguity): for multi-parcel properties — insures contiguity
• ALTA 22 (Location): insures physical location matches legal description
• ALTA 28 (Restrictive Covenants): insures against violations of recorded restrictions
• Zoning Endorsement (Florida): insures current zoning permits intended use
• Florida Form 9: Florida-specific comprehensive endorsement
• Tax Parcel: confirms tax parcel ID matches property

Schedule B Exceptions — What Title Does Not Cover

• Schedule B-I: standard "requirements" the buyer/lender must satisfy at closing (payoffs, deed delivery, etc.)
• Schedule B-II: "exceptions" — matters excluded from coverage
• Standard exceptions (deleted with extended coverage + ALTA survey): general survey, parties in possession, unrecorded easements, unrecorded mechanic's liens, taxes not yet due
• Specific exceptions: recorded easements, CC&Rs, leases, mortgages, judgments, recorded restrictions specific to the property
• Negotiation: sophisticated FL CRE buyers/lenders negotiate to remove or limit Schedule B exceptions before policy issuance
• Affirmative coverage: some exceptions can be replaced with affirmative coverage statements via endorsements

What is title insurance in commercial real estate?

Title insurance is a one-time-premium insurance policy protecting against losses from title defects existing as of the policy date — undisclosed liens, prior unrecorded conveyances, ownership disputes, encroachments, easements, fraud, and forgery. Florida CRE transactions typically use two policies: Owner's Policy (protects the buyer/owner) and Lender's Policy (protects the lender). Florida title insurance rates are promulgated by the Florida Office of Insurance Regulation under Rule 69O-186.

How are Florida title insurance rates calculated?

Florida title insurance rates are promulgated under Rule 69O-186 on a tiered sliding scale: first $100K at $5.75/$1,000; $100K–$1MM at $5.00/$1,000; $1MM–$5MM at $2.50/$1,000; $5MM–$10MM at $2.25/$1,000; over $10MM at $2.00/$1,000. Example $5MM property: $15,075 owner's title premium. Lender's policy simultaneous issue is $25 on top of owner's premium up to owner's coverage amount.

What's the difference between Owner's and Lender's title policies?

Owner's Policy protects the buyer/owner against title defects — coverage amount equals purchase price; remains in force for the life of the owner's interest. Lender's Policy protects the lender against title defects — coverage amount equals loan balance; declines with amortization; expires when loan is paid off. Both policies are typically issued simultaneously at closing; Florida's simultaneous-issue rate is $25 on top of owner's premium up to owner's coverage amount.

What are common title endorsements in Florida CRE?

Common Florida CRE title endorsements: ALTA 9 (Comprehensive); ALTA 17 (Access to public road); ALTA 19 (Contiguity for multi-parcel); ALTA 22 (Location matches legal description); ALTA 28 (Restrictive Covenants); Zoning Endorsement (current zoning permits intended use); Florida Form 9 (FL-specific comprehensive); Tax Parcel (confirms tax parcel ID). Endorsements expand standard coverage to address specific concerns identified in due diligence or required by lenders.

Who can coordinate title insurance on a Florida CRE deal?

Michael R. Linton and Linton Global Solutions have direct relationships with Florida title insurance agencies across Orlando, Tampa, and the I-4 corridor. The team coordinates title commitment review, Schedule B exception negotiation, endorsement scope, and closing escrow on every Florida CRE acquisition and refinancing. 39 years of Florida CRE transaction experience produces clean title closings within scheduled timelines. Call (312) 612-1031.

Article Summary

Commercial title insurance = one-time-premium policy protecting against title defects existing as of policy date — liens, encumbrances, ownership disputes, encroachments, easements, fraud. FL CRE: Owner's Policy (buyer; purchase price coverage) + Lender's Policy (lender; loan balance coverage). FL promulgated tiered rates under Rule 69O-186: $5.75/$1K first $100K; $5.00/$1K to $1MM; $2.50/$1K to $5MM; $2.25/$1K to $10MM; $2.00/$1K over $10MM. Schedule B-II = exceptions (excluded coverage). Common FL endorsements: ALTA 9, 17, 19, 22, 28; Zoning; Florida Form 9; Tax Parcel.

Key Takeaways

• ✓Title insurance = protection against pre-policy title defects.
• ✓FL CRE: Owner's + Lender's policies issued at closing.
• ✓FL rates promulgated under Rule 69O-186 on tiered sliding scale.
• ✓Schedule B-II = exceptions (what's not covered); negotiate to remove.
• ✓Common FL endorsements: ALTA 9, 17, 22, 28; Zoning; FL Form 9.

About Michael R. Linton

Michael R. Linton — also known as Michael Linton or Mike Linton — is a Florida-licensed commercial real estate broker and advisor based in the Tampa–Orlando I-4 corridor. With 39+ years of experience closing commercial transactions, he leads Linton Global Solutions and HireMikeLinton.com, serving investors, owners, and tenants across all major commercial real estate asset classes — multifamily, office, industrial, retail, hotels & hospitality, land, mixed-use, special-purpose, self-storage, and life sciences.

Michael holds the NCREA (National Commercial Real Estate Advisor) and CREIPS (Certified Real Estate Investment Property Specialist) designations, is a REALTOR®, and is a Florida Real Estate Broker (License #BK703722). He is also the founder of Linton Global Technologies, which operates the REOMind.ai AI-powered REO disposition platform serving 500+ banks.

Ready to Talk About Your Title Insurance Deal?

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Works Cited

1. Florida Office of Insurance Regulation. "Rule 69O-186 Title Insurance Rates." FL OIR, https://floir.com/. Accessed Jun 9, 2026.
2. American Land Title Association. "ALTA Policy Forms and Endorsements." ALTA, https://www.alta.org/. Accessed Jun 9, 2026.
3. Florida Bar Real Property Section. "Florida Title Insurance Treatise." The Florida Bar, https://www.floridabar.org/. Accessed Jun 9, 2026.
4. Florida Land Title Association. "FLTA Resources." FLTA, https://www.flta.org/. Accessed Jun 9, 2026.

Disclosure & Compliance

Disclosure: This article discusses proprietary technology developed by Linton Global Technologies. Michael R. Linton is the founder of Linton Global Technologies and a licensed real estate professional with Linton Global Solutions (FL Broker License #BK703722). This content is for informational purposes only and does not constitute investment, legal, or financial advice.

Compliance Statement: All CREDDS and REOMind.ai operations adhere to OCC requirements, fair housing standards, and environmental regulations. Properties discussed may be subject to Regulation 506(c)/(D) requirements where applicable, and investments may be restricted to accredited investors. Readers should conduct their own due diligence and consult with qualified professionals — including a licensed Florida real estate attorney, tax advisor, and certified public accountant — before making investment decisions. Past performance does not guarantee future results.