Title Insurance Calculator: Owner's and Lender's Policy Cost
Estimate the one time premium for an owner's policy and a lender's policy from your home price, loan amount, and state.
Reviewed by Guido Trevisan, Licensed Property & Casualty Insurance BrokerUpdated July 20, 2026
Texas and Florida use their promulgated rate schedules. Other states show a national estimate based on typical filed rates.
Estimated total premium
$2,513
one time, at closing
- Owner's policy
- $2,413
- Lender's policy (simultaneous issue)
- $100
- Share of home price
- 0.63%
In Texas the seller customarily pays for the owner's policy, though it is negotiable.
Premium by state path
Same price and loan under each rate schedule
Texas figures follow the TDI basic premium rates effective September 2019. Florida figures follow Rule 69O-186.003 of the Florida Administrative Code. Other states are a rounded national estimate from typical filed rates. Endorsements, search fees, and closing costs are not included. Not a quote.
How title insurance premiums work
Title insurance is a one time premium paid at closing. The lender's policy protects the loan balance and is required with any mortgage. The owner's policy protects your full equity for as long as you own the home, against problems like forged deeds, unknown heirs, and recording errors. In Texas and Florida the state publishes the exact rate schedule every insurer must charge. In most other states insurers file their own rates, so the calculator shows a typical estimate. Buying both policies together triggers a simultaneous issue discount that makes the lender's policy nearly free.
FAQ
How much is title insurance on a $300,000 house?
Roughly $1,900 in Texas, about $1,600 in Florida, and near $1,050 plus a small lender's policy fee in most other states, using standard rate schedules with a simultaneous issue discount.
Who pays for title insurance, the buyer or the seller?
It depends on state custom. Sellers customarily pay for the owner's policy in about half the states, including Texas and most of Florida, while buyers pay in most of the Northeast. Everything is negotiable in the contract.
Is owner's title insurance worth it?
Usually yes. It is a one time premium that protects your full equity for as long as you own the home, and claims like forged deeds or missed liens are exactly the losses that are catastrophic without it.
What is a simultaneous issue rate?
When the owner's and lender's policies are issued together at closing, the lender's policy is deeply discounted, a flat $100 in Texas and a $25 minimum in Florida.
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