Title Insurance Calculator

Title insurance protects against losses from defects in a property's title — liens, encumbrances, forged deeds, or recording errors that surface after closing — and this calculator prices both policy types using a tiered per-$1,000 rate schedule, since real title premiums are regulated by state and scale down as coverage amount rises. The tiers charge $5.75 per $1,000 of coverage on the first $100,000, $4.50 per $1,000 from $100,000 to $500,000, $3.50 per $1,000 from $500,000 to $1,000,000, $2.50 per $1,000 from $1,000,000 to $5,000,000, and $2.00 per $1,000 above that — each tier's rate applies only to the coverage amount actually falling in that band, not the whole balance, mirroring how tiered rate schedules genuinely work. The owner's policy premium is calculated off the purchase price (protecting the buyer's equity), while the lender's policy is calculated off the loan amount (protecting the mortgage holder's interest) using the same tiered schedule.

When both policies are purchased together, the calculator applies a 40% simultaneous-issue discount to the lender's premium — a real, common industry practice, since the title company is doing largely duplicate work for both policies at once. On top of the two premiums, the calculator adds a flat title search fee and settlement/closing fee that you supply directly rather than derive from a formula. The rate tiers and discount percentage used here are representative industry figures, not a specific insurer's or state's actual filed rates — real title insurance rates vary meaningfully by state (some states set them by regulation, others let insurers compete), so use this as a planning estimate and confirm exact costs with a local title company before closing.