Estimate your title insurance premium
Free title insurance calculator. Estimate your title insurance premium instantly based on your property value and state.
Estimate only · not a real quote
Enter your property’s purchase price (and optionally your state) to get an instant, illustrative estimate of what title insurance might cost. This tool is meant to give you a starting number before you talk to a title company — not to replace a real quote.
This calculator does not pull from any state’s official, filed title insurance rate table. Instead, it uses a simplified bracketed-rate model: the first portion of your property value is charged a higher illustrative rate, and each additional bracket of value is charged a progressively lower rate. This mirrors the general shape of many real title insurance rate schedules — higher marginal cost on the first dollars of coverage, lower marginal cost on each additional dollar — without claiming to match any specific insurer or state’s actual numbers.
If you select a state, the calculator applies a small, clearly labeled illustrative adjustment (roughly +15%, -10%, or no change) based on a coarse three-group bucket, not real state-filed rates. Title insurance pricing is genuinely regulated differently across states — some states use promulgated rates set by regulators, others allow insurers to file their own rates — and this calculator does not attempt to reproduce that regulatory detail.
The result also shows a typical range (roughly ±15% around the point estimate) to reflect that real premiums vary by insurer, county recording fees, endorsements, and whether you qualify for a reissue rate on a recent prior policy.
Title insurance protects against financial loss from defects in a property’s title — things like unpaid liens, forged signatures in the chain of ownership, undisclosed heirs, clerical recording errors, or boundary disputes that a title search did not catch. Unlike most insurance, it is typically paid once at closing and covers the policy period the underwriter defines, rather than being renewed annually.
There are usually two policies in a purchase with financing: a lender’s policy, which protects the mortgage company’s interest and is normally required by the lender, and an owner’s policy, which protects the buyer’s equity and is optional but commonly recommended. This calculator estimates a single blended premium figure and does not split the estimate into separate lender’s and owner’s policy amounts.
Title insurance is a one-time-premium policy that protects a buyer or lender against financial loss from defects in a property’s title, such as liens, forged documents, or recording errors that were missed during the title search.
If you are financing the purchase, your lender will almost always require a lender’s title policy. An owner’s policy protecting your own equity is usually optional but commonly recommended by real estate attorneys and agents.
This varies by state and local custom. In some areas the buyer pays, in others the seller pays (especially for the owner’s policy), and in some markets the cost is negotiated as part of the purchase agreement.
Yes, in most cases. Unlike homeowners or auto insurance, title insurance is typically paid once at closing and does not have recurring annual premiums.
In many states, yes — you can compare title companies, and some states let you request a reissue rate if a prior owner’s policy was issued on the same property within a certain number of years. In a handful of states, rates are set by regulators and shopping mainly affects service, not price.
This calculator uses a simplified formula, not your state’s actual filed rates, your specific title company’s pricing, or any applicable reissue discount, endorsements, or recording fees. Always confirm the real number with a licensed title company or your closing agent.
This calculator produces an estimate only, not an insurance quote or financial advice. InsuranCalcs is not a title company, insurer, agent, or law firm, and this tool does not use any state’s official filed title insurance rates. Actual premiums depend on your state, county, insurer, loan amount, endorsements, and any reissue discount you may qualify for. For a real number, contact a licensed title company, closing attorney, or escrow agent in your area. Read our full disclaimer for more.