Understanding Who Pays for Title Insurance in Collier County

Understanding Who Pays for Title Insurance in Collier County

What Is the Local Custom in Collier County?
In Collier County, including Naples, the buyer customarily pays for the owner’s title insurance policy and selects the closing agent. This is simply the standard local practice. It is not a legal requirement, and the parties may negotiate a different arrangement within the purchase contract if they choose.

How This Differs From Nearby Counties
Just north in Lee County, the customary practice is the opposite:

• The seller typically pays for the owner’s title insurance
• The seller usually selects the closing/title agent

These differences can be surprising for customers who have bought or sold property in other parts of Florida.

Why Understanding Custom Matters
Knowing the local custom helps buyers and sellers set accurate expectations when reviewing a contract or closing disclosure. Because the party who pays for the owner’s title insurance generally selects the closing agent, this custom also influences who manages the closing process.
 

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