Title Insurance Calculator

Title insurance protects property buyers and lenders against financial loss from defects in a property's title, such as liens, encumbrances, or ownership disputes that were not discovered during the title search. This calculator estimates the premiums for both the owner's policy and the lender's policy based on your property value and loan amount. The owner's title insurance policy protects the buyer's equity in the property for as long as they own it. The premium is based on the purchase price and is paid as a one-time fee at closing. The lender's policy protects the mortgage lender's interest in the property and is based on the loan amount. Most lenders require a lender's policy as a condition of the mortgage. Title insurance premiums are calculated using rate schedules that vary by state, as many states regulate title insurance pricing. The calculator applies standard rate tables for your jurisdiction, factoring in the property value for the owner's policy and the loan amount for the lender's policy. When both policies are purchased simultaneously, a discounted bundle rate often applies. The results display the estimated cost for each policy separately and the combined total. The calculator also shows the potential savings from purchasing both policies together through the same title company, which typically reduces the overall premium compared to buying them separately. Understanding these costs upfront helps you compare closing cost estimates from different title companies and ensures there are no surprises when your final closing disclosure arrives.