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Title Insurance Fee Estimator

Title insurance is a one-time premium paid at closing that protects against defects in the home's ownership history. What you'll pay depends on your price, loan amount, and state — and crucially, whether your state sets the rate (so you can't shop it) or lets companies compete. Estimate both policies below.

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Owner's policy

$2,200

Protects your ownership stake.

Lender's policy

$1,232

Required by your lender (discounted if bought together).

Rate method: Promulgated (state-set) — the premium is identical at every title company, so you cannot shop the price.

How to use it

  1. 1 Enter the home price and your loan amount.
  2. 2 Choose your state to apply its typical title-rate method.
  3. 3 Read the owner's and lender's policy estimates.
  4. 4 Check whether the rate is promulgated (fixed) or negotiable — that tells you if shopping helps.

Why this matters

Title insurance can be one of the larger closing costs, and most buyers don't realize the rules differ by state. In 'promulgated' states like Texas and Florida, the premium is set by the state and identical at every title company — shopping the premium is pointless (though you can still compare settlement fees). In 'filed' or negotiable states, rates vary and comparing quotes can save real money. Knowing which kind of state you're in is the difference between wasting time and finding savings.

Frequently asked questions

How much does title insurance cost?

It's a one-time premium, typically a few dollars per $1,000 of coverage — often $1,500–$4,000 on a median-priced home for the owner's policy, with a discounted lender's policy on top. The exact rate depends on your state and price. This tool estimates both policies.

What's the difference between owner's and lender's title insurance?

The owner's policy protects your ownership stake for as long as you own the home; the lender's policy protects the lender's interest in the loan and is usually required. When bought together (simultaneous issue), the lender's policy is heavily discounted, which this estimate reflects.

Can I shop around for title insurance?

It depends on your state. In promulgated-rate states (e.g., Texas, Florida), the premium is fixed by the state, so every company charges the same — you can only compare ancillary settlement fees. In filed/negotiable states, premiums vary and shopping can save money. This tool tells you which applies.

Who pays for title insurance?

Custom varies by state and is negotiable. The buyer often pays the lender's policy; the owner's policy is paid by the buyer in some states and provided by the seller in others. Your purchase contract controls.

Keep going

Buyer Closing Cost Calculator Every line item a buyer pays at closing — by state, with the cash-to-close total. Real Estate Transfer Tax Lookup The transfer-tax rate, who pays, and the statute — by state and county. Seller Net Proceeds Calculator What you actually keep after commission, payoff, and costs. Download a clean PDF.