Title Insurance costs, by state and province

Typical costs for title insurance per policy. Home purchase price and location determine cost. Open a market below for a local estimate.

Title insurance is a one-time fee paid at closing to protect against property title defects, typically costing $500 to $3,500 depending on the home's purchase price and location. The lender's policy is usually required, while the owner's policy is optional but recommended. Rates are regulated in some states and provinces.

How Property Value Affects the Premium

Title insurance premiums are generally based on the home's purchase price, with a typical rate of $3 to $5 per $1,000 of value. For a $300,000 home, the owner's policy might cost $900 to $1,500, while a $600,000 home could run $1,800 to $3,000. Lender's policies are often cheaper, around $100 to $500.

Lender's vs. Owner's Policy Costs

A lender's title insurance policy is almost always required by mortgage lenders and covers only the loan amount, costing $100 to $500. An owner's policy protects the buyer's equity and typically costs $500 to $2,500, depending on the property value. Many buyers purchase both in a simultaneous issue discount.

Regional and Regulatory Variations

Title insurance rates are regulated in some US states (e.g., Texas, Florida) and Canadian provinces, leading to standardized pricing. In unregulated areas, premiums can vary by 20% to 40% between providers. Closing costs may also include title search fees of $150 to $400 and settlement fees of $200 to $500.

Typical Title Insurance prices
ItemTypical range
Typical owner's policy cost$500 - $2,500
Lender's policy cost$100 - $500
Cost per $1,000 of property value$3 - $5
Title search fee$150 - $400

Every market for title insurance costs

383 markets have a page, each with a typical range where we have one and plain guidance on what moves the price.

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