Key Takeaways
- Title insurance agents and agencies in Florida are regulated by the Florida Department of Financial Services (DFS).
- Agents must complete pre-licensing education, pass a state exam, and meet strict ethical and financial standards.
- Title agencies require separate licensing, surety bonds, designated agents in charge, and compliant trust accounts.
- Both agents and agencies must maintain continuing education and adhere to state financial and recordkeeping rules.
- The Title Haus operates under full compliance with Florida’s licensing and insurance regulations to ensure legally secure closings.
Title Insurance Agents and Title Agency Licensing Requirements in Florida
Florida’s real estate industry is one of the most active in the nation, and every transaction depends on proper title insurance. To protect buyers, sellers, and lenders, the state enforces strict licensing requirements for both title insurance agents and title insurance agencies.
These requirements ensure that only qualified, trustworthy professionals handle closings, escrow funds, and the issuance of title policies. Here’s a detailed look at what it takes to become licensed — and how The Title Haus maintains full compliance with state standards.
Title Insurance Agent Licensing in Florida
Anyone who sells, solicits, or negotiates title insurance must be licensed as a Florida Title Insurance Agent under Chapter 626, Part V, of the Florida Statutes.
Eligibility Requirements
To qualify, applicants must:
- Be at least 18 years old and a Florida resident.
- Complete a 40-hour pre-licensing course approved by the Florida DFS.
- Pass the Florida Title Insurance Agent Examination.
- Submit fingerprints for a background check.
- Demonstrate financial responsibility and professional conduct.
Pre-Licensing Course Topics
The course covers essential areas of Florida title law, including:
- Title insurance principles and practices
- Property ownership and conveyance
- Escrow and settlement procedures
- Liens, encumbrances, and title defects
- Florida real estate law and compliance
Maintaining a Title Insurance Agent License
Once licensed, agents must remain compliant through continuing education and ethical standards.
Continuing Education Requirements
- Agents must complete 24 hours of continuing education every two years.
- At least two hours must cover ethics, and four hours must be dedicated to title-specific topics.
Ethical and Financial Responsibilities
- Maintain confidentiality in handling client funds and documents.
- Follow Florida DFS and ALTA (American Land Title Association) standards.
- Report any administrative or criminal actions to the DFS.
Failure to comply can result in fines, suspension, or license revocation.
Title Agency Licensing Requirements
A title agency — the business entity that issues title insurance and manages closings — must hold a separate license from the DFS.
Core Requirements
To obtain a license, the agency must:
- Designate a Licensed Title Agent in Charge.
- Maintain a $35,000 surety bond or irrevocable letter of credit.
- Register a physical office location in Florida.
- Establish a separate trust or escrow account for client funds.
Operational Standards
Florida’s Administrative Code requires agencies to:
- Reconcile escrow accounts monthly and keep detailed records for at least seven years.
- Provide access to DFS auditors upon request.
- Ensure all employees handling funds are covered under fidelity bonds.
These measures prevent mismanagement of escrow funds and ensure consumer protection.
Compliance, Oversight, and Penalties
The Florida Department of Financial Services has authority to audit and enforce compliance among agents and agencies.
Common Violations Include
- Operating without a valid license
- Misappropriation of escrow or trust funds
- Failing to maintain continuing education
- Misrepresentation or fraudulent conduct
Penalties can include license suspension, administrative fines, and even criminal charges in severe cases.
How The Title Haus Ensures Compliance
The Title Haus operates under full DFS compliance, with licensed professionals and attorney oversight on every transaction. Our team adheres to all trust account, recordkeeping, and bonding requirements while maintaining ethical and transparent client service.
Work With a Fully Licensed Florida Title Company
When it comes to closing your Florida real estate transaction, licensing matters. The Title Haus is fully licensed and attorney-backed, providing complete confidence in every closing.
Our agents and staff follow all Florida state regulations, ensuring your title insurance and escrow process meet the highest legal and professional standards.
Contact The Title Haus today to work with a licensed, experienced, and trustworthy Florida title company.
At Title Haus, we’re more than a title company — we’re a team built on integrity, collaboration, and a dedication to excellence. We value every team member and create an environment where ideas are welcomed, growth is encouraged, and your work makes a real difference.
Whether you’re an experienced title professional or new to the industry, you’ll have opportunities to develop your skills across a wide range of real estate transactions — from residential and commercial closings to specialized title services. We offer a flexible, client-focused culture with room to innovate and advance.
If you’re seeking meaningful work, professional growth, and a team that truly values your contribution, Title Haus is where you belong.
