If you're staring at a Florida closing statement and the title insurance cost jumps off the page, you're not alone. For many Miami-Dade and Broward homeowners, it's one of the least understood line items in the deal. It looks like insurance, but it doesn't work like homeowners insurance. It isn't monthly. It isn't annual. It's a one-time charge tied directly to ownership rights and the condition of the title on closing day. That matters even more if you're weighing a cash sale. In South Florida, who pays…