Title Insurance Calculator
Title Insurance Calculator
Owner's and lender's policy premiums from state-set rate schedules.
Owner's and lender's policy premiums from state-set rate schedules.
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Professional Financial Tools
8/25/2026
The owner's policy is written for the full purchase price, not the loan amount.
Texas, Florida and New Mexico use promulgated rates — every title company must charge the same premium, so there is nothing to shop on price. Elsewhere, companies file their own rates and you can compare.
Your lender will require its own policy covering the loan balance. Set to 0 for a cash purchase.
Buying the owner's and lender's policies from the same company at the same closing earns a steep discount on the lender's policy. This is standard practice.
Set by the Texas Department of Insurance and identical at every title company in the state. Commissioner Order No. 2025-9697 cut basic premium rates 6.2% effective 2026-03-01. For a policy over $100,000 the official formula is (face amount − $100,000) × 0.00494 + $780; here that is ($400,000 − $100,000) × 0.00494 + $780. You cannot negotiate this number — only the ancillary fees.
Texas sets a flat $100 simultaneous-issue rate when both policies are bought from the same company at the same closing — versus $1,867 if issued on its own. Effectively always worth doing.
Title insurance is a one-time premium paid at closing, not an annual cost. The owner's policy lasts as long as you or your heirs own the property; the lender's policy ends when the loan is paid off or refinanced.
The promulgated premium is only the insurance. Escrow, settlement, document preparation, courier and recording fees are set by each company and are negotiable — they are the reason two quotes in the same state differ. Use the closing costs estimator for the full picture.
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Open calculatorTitle insurance is unusual: in Texas, Florida and New Mexico the state government sets the premium, and every title company must charge exactly the same amount for the same coverage. There is nothing to negotiate and nothing to shop.
Everywhere else, companies file their own rates and compete — so the premium genuinely varies, and getting quotes is worth your time.
This calculator returns an exact premium for Texas and Florida, computed from the published state rate schedules. For other states it returns a range rather than a single number, because a point estimate would imply a precision that does not exist in a competitive rate market.
Unlike almost every other insurance product, this is a one-time premium paid at closing. There are no renewals. The owner's policy protects you for as long as you or your heirs own the property.
Everything runs in your browser. Nothing you type is sent to a server, and there is no signup.
Texas. Rates are set by the Texas Department of Insurance. Commissioner Order No. 2025-9697, signed December 19 2025, cut basic premium rates by 6.2% effective March 1 2026. For a policy over $100,000 the official formula is:
Worked example on a $400,000 home: ($400,000 − $100,000) × 0.00494 = $1,482, plus $780 = $2,262. Below $100,000, TDI publishes a lookup table instead of a formula; this calculator interpolates between published anchor points and is accurate to within a few dollars.
Florida. The Office of Insurance Regulation sets the owner's policy at $5.75 per $1,000 of coverage on the first $100,000, then $5.00 per $1,000 up to $1 million, with lower tiers above that. On a $300,000 home: $575 for the first $100,000 plus $1,000 for the remaining $200,000 = $1,575.
Both formulas above were verified against the regulators' own published schedules. Where a broker or brokerage blog quotes figures that disagree with the state rate order, the rate order governs.
There are two policies, and they protect different people:
Buying both from the same company at the same closing triggers a simultaneous-issue rate that is dramatically cheaper than issuing the lender's policy on its own. In Texas the simultaneous rate is a flat $100. Because this is close to free relative to standalone pricing, it is effectively always worth doing — and it is standard practice.
Refinancing later means a new lender's policy, though most states offer a reissue discount if the prior policy is recent. Ask for it; it is not always volunteered.
The promulgated premium is only the insurance. Title companies also charge ancillary fees that are not regulated and are negotiable:
This is the practical takeaway for buyers in Texas and Florida: since the premium is identical everywhere, the ancillary fees are the only thing worth comparing — along with service quality, which matters more than people expect when a title defect surfaces two weeks before closing.
For the full transaction picture including lender fees, prepaids and escrow, use the closing costs estimator.
Who pays the owner's policy is set by local custom and is negotiable in the contract. In most of Texas the seller pays it; in much of Florida it varies by county.