Florida Statutes

Fla. Stat. § 627.780 (2025)

Illegal dealings in premium.

✓ 2025 Florida Statutes — current through the 2025 Regular Session

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627.780 Illegal dealings in premium.—

(1) A person may not knowingly quote, charge, accept, collect, or receive a premium for title insurance other than the premium adopted by the commission, except as provided in s. 626.9541(1)(h)3.b.

(2) A title insurer may not knowingly accept, collect, or receive any sum as premium for title insurance, if the title insurance is not then provided or is not to be provided, subject to acceptance of the risk, in due course, unless the title insurer promptly enters the sum on its books of account as premium collected in advance.

History.—s. 6, ch. 65-359; ss. 13, 35, ch. 69-106; s. 3, ch. 76-168; s. 1, ch. 77-457; ss. 2, 3, ch. 81-318; ss. 577, 584, 809(2nd), ch. 82-243; s. 79, ch. 82-386; ss. 94, 114, ch. 92-318; s. 10, ch. 99-286; s. 1203, ch. 2003-261; s. 4, ch. 2007-44.

Notes of Decisions

Cited in 5 cases, 1997–2013 · leading case: Commonwealth Land Title Ins. Co. v. Higgins, 975 So. 2d 1169 (Fla. 1st DCA 2008).

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Commonwealth Land Title Ins. Co. v. Higgins, 975 So. 2d 1169 (Fla. 1st DCA 2008). · cites it 4× “[2] The respondents assert that under section 627.780, Florida Statutes (2003), a title insurance company and its agents are prohibited from deviating from the rates established by Florida law.”

Chicago Title Ins. Co. v. Butler, 770 So. 2d 1210 (Fla. 2000). · cites it 3× “Under section 627.780, Florida Statutes (1997), no person may "knowingly quote, charge, accept, collect, or receive a risk premium for title insurance other than the risk premium adopted by the department.”

Bleich v. Chicago Title Ins., 117 So. 3d 1163 (Fla. 3d DCA 2013). · cites it 2× “§ 627.780, Fla. Stat. (2007). The “original rate,” applicable to premiums on title policies issued for original owners or leasehold titles, is higher than the “reissue rate.”

Morales v. Attorneys' Title Ins. Fund, Inc., 983 F. Supp. 1418 (S.D. Fla. 1997). · cites it 2× “” Fla. Stat. § 627.780 (1). Chapter 627 further provides that the Department of Insurance “must adopt a rule specifying the risk premium to bé charged in this state by insurers” and establish “related rules to ensure that the amounts required to be maintained by the insurer are…”

Morales v. Attorneys'title Ins. Fund, Inc., 983 F. Supp. 1418 (S.D. Fla. 1997). · cites it 2× “" Fla. Stat. § 627.780 (1). Chapter 627 further provides that the Department of Insurance "must adopt a rule specifying the risk premium to be charged in this state by insurers" and establish "related rules to ensure that the amounts required to be maintained by the insurer are…”

— 627.780(1) — 2 cases

Commonwealth Land Title Ins. Co. v. Higgins, 975 So. 2d 1169 (Fla. 1st DCA 2008). “[2] The respondents assert that under section 627.780, Florida Statutes (2003), a title insurance company and its agents are prohibited from deviating from the rates established by Florida law.”

Chicago Title Ins. Co. v. Butler, 770 So. 2d 1210 (Fla. 2000). “Under section 627.780, Florida Statutes (1997), no person may "knowingly quote, charge, accept, collect, or receive a risk premium for title insurance other than the risk premium adopted by the department.”

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