Free Title Insurance Estimate Calculator
Estimate the cost of owner and lender title insurance policies based on the property purchase price and loan amount using standard rate tables.
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Owner Policy Premium
$2,200
Lender Policy (after discount)$672
Total Title Insurance Cost$2,872
Lender Policy (before discount)$1,120
Simultaneous Issue Savings$448
Owner Policy Premium vs Owner Policy Rate (per $1,000)
Title Insurance Explained
Title insurance protects property buyers and lenders against losses arising from defects in the title, such as liens, encumbrances, or ownership disputes.
Two Types of Policies
Simultaneous Issue Discount
When both policies are purchased at the same time, most title companies offer a significant discount on the lender policy (30-50% off). This is because the title search only needs to be performed once.
Rate Variations
Example Calculation
$400,000 purchase with $320,000 loan, owner rate $5.50 per $1,000, lender rate $3.50 per $1,000, and 40% simultaneous issue discount on the lender policy.
- 01Owner policy: $400,000 / 1,000 x $5.50 = $2,200
- 02Lender policy (full): $320,000 / 1,000 x $3.50 = $1,120
- 03Simultaneous discount: $1,120 x 40% = $448
- 04Lender policy (discounted): $1,120 - $448 = $672
- 05Total title insurance: $2,200 + $672 = $2,872