Title insurance premiums

Click on a jurisdiction below to review title insurance policy premiums associated with the purchase and sale of a residential property.

  • District of Columbia

    OWNER'S POLICY

    The owner's policy protects against a loss that may occur from a fault in your ownership or interest you have in the property. A title policy will protect the equity in your new home.

    Policy rates do not include the $150 simultaneous issue fee.

    Standard coverage
    (minimum premium $228)

    Amount of Insurance Cost Factor Plus On Amount Over
    Up to $250k $5.70/$1k -- --
    $250,001 to $500,000 $1,425.00 $5.10/$1k $250k
    $500,001 to $1 million $2,700.00 $4.50/$1k $500k
    $1,000,001 to $5 million $4,950.00 $3.90/$1k $1 million
    $5 million to $15 million $20,550.00 $1.05/$1k $5 million
    $15 million+ $31,050.00 $0.90/$1k $15 million

    Enhanced coverage
    (minimum premium $274)

    Amount of Insurance Cost Factor Plus On Amount Over
    Up to $250k $6.84/$1k -- --
    $250,001 to $500,000 $1,710.00 $6.12/$1k $250k
    $500,001 to $1 million $3,240.00 $5.40/$1k $500k
    $1,000,001 to $5 million $5,940.00 $4.68/$1k $1 million
    $5 million+ $24,660.00 $3.96/$1k $5 million

    LENDER'S POLICY

    The lender's policy protects the mortgage holder (the institution that owns the mortgage). If there is a fault in title that results in a loss, the mortgage holder will be paid back.

    Standard coverage
    (minimum premium $168)

    Amount of Insurance Cost Factor Plus On Amount Over
    Up to $250k $4.50/$1k -- --
    $250,001 to $500,000 $1,125.00 $3.90/$1k $250k
    $500,001 to $1 million $2,100.00 $3.30/$1k $500k
    $1,000,001 to $5 million $3,750.00 $2.70/$1k $1 million
    $5 million to $15 million $14,550.00 $0.85/$1k $5 million
    $15 million+ $23,050.00 $0.75/$1k $15 million

    We offer an enhanced lender's title policy upon request.
    E-mail info@federaltitle.com to inquire.

    Note: When calculating the cost of a policy, please keep in mind we use a tiered rate. So if the purchase price is $600k and a standard owner's title policy is purchased, the cost is calculated by multiplying:

    250 x $5.70 = $1,425250 x $5.10 = $1,275
    100 x $4.50 = $450

    Total = $3,150
    + (Simultaneous Rate) $150
    Grand Total = $3,300

    Simultaneous issue transaction

    When an owner's policy and a loan policy are issued simultaneously, the rate applicable for the owner's policy shall be the regular owner's rate. In all cases the owner's policy shall be issued for the sale price of the property or, in the event there is no sale, the value of the premises.

    An additional $150 will be added to the premium whenever a simultaneous issue occurs. These rates are based on the First American Title Insurance Company "Eagle Policy." Quotes for other title insurance products are available upon request.

    Title insurance re-issue rate policy

    To qualify for a reissue rate, the borrower must provide the (seller's) current owner's title policy, which must be less than 10 years old. The reissue rate is based on the face amount (coverage) of the (seller's) current policy.

    View refinance rates
  • Maryland

    OWNER'S POLICY

    The owner's policy protects against a loss that may occur from a fault in your ownership or interest you have in the property. A title policy will protect the equity in your new home.

    Policy rates do not include the $75 simultaneous issue fee.

    Standard coverage

    Amount of Insurance Cost Factor Plus On Amount Over
    Up to $250k $3.75/$1k -- --
    $250,001 to $500,000 $937.50 $3.25/$1k $250k
    $500,001 to $1 million $1,750.00 $2.75/$1k $500k
    $1,000,001 to $5 million $3,125.00 $2.20/$1k $1 million
    $5 million to $15 million $11,925.00 $1.75/$1k $5 million
    $15 million+ $29,425.00 $1.50/$1k $15 million

    Enhanced coverage

    Amount of Insurance Cost Factor Plus On Amount Over
    Up to $250k $4.60/$1k -- --
    $250,001 to $500,000 $1,150.00 $3.95/$1k $250k
    $500,001 to $1 million $2,137.50 $3.30/$1k $500k
    $1,000,001 to $5 million $3,787.50 $2.60/$1k $1 million
    $5 million to $15 million $14,187.50 $2.20/$1k $5 million
    $15 million+ $36,187.50 $1.80/$1k $15 million

    LENDER'S POLICY

    The lender's policy protects the mortgage holder (the institution that owns the mortgage). If there is a fault in title that results in a loss, the mortgage holder will be paid back.

    Standard coverage

    Amount of Insurance Cost Factor Plus On Amount Over
    Up to $250k $2.65/$1k -- --
    $250,001 to $500,000 $662.50 $2.25/$1k $250k
    $500,001 to $1 million $1,225.00 $1.90/$1k $500k
    $1,000,001 to $5 million $2,175.00 $1.60/$1k $1 million
    $5 million to $15 million $6,400.00 $1.30/$1k $5 million
    $15 million+ $19,400.00 $1.00/$1k $15 million
    We offer an enhanced lender's title policy upon request.
    E-mail info@federaltitle.com to inquire.

    When calculating the cost of a policy, please keep in mind we use a tiered rate. So if the purchase price is $600k and a standard owner's title policy is purchased, the cost is calculated by multiplying:

    250 x $3.75 = $937.50
    250 x $3.25 = $812.50
    100 x $3.30 = $330.00

    Total = $2,116.00
    + (Simultaneous Rate) $75
    Grand Total = $2,191.00

    Simultaneous issue transaction

    When an owner's policy and a loan policy are issued simultaneously, the rate applicable for the owner's policy shall be the regular owner's rate. In all cases the owner's policy shall be issued for the sale price of the property or, in the even there is no sale, the value of the premises.

    An additional $75 will be added to the premium whenever a simultaneous issue occurs. These rates are based on the First American Title Insurance Company "Eagle Policy." Quotes for other title insurance products are available upon request.

    Title insurance re-issue rate policy

    To qualify for a reissue rate, the borrower must provide the (seller's) current owner's title policy, which must be less than 10 years old. The reissue rate is based on the face amount (coverage) of the (seller's) current policy.

    However, if the buyer qualifies for the REAL Credit™ program, then we can only honor EITHER the re-issue rate or the REAL Credit™ – but not both.

    View refinance rates
  • Virginia

    OWNER'S POLICY

    An owner's policy protects against a loss that may occur from a fault in your ownership or interest you have in the property. A title policy will protect the equity in your new home.

    Policy rates do not include the $150 simultaneous issue fee.

    Standard coverage
    (minimum premium $228)

    Amount of Insurance Cost Factor Plus On Amount Over
    Up to $250k $3.90/$1k -- --
    $250,001 to $500,000 $975.00 $3.70/$1k $250k
    $500,001 to $1 million $1,900.00 $3.40/$1k $500k
    $1,000,001 to $5 million $3,600.00 $2.25/$1k $1 million
    $5 million+ $12,600.00 $2.10/$1k $5 million

    Enhanced coverage
    (minimum premium $274)

    Amount of Insurance Cost Factor Plus On Amount Over
    Up to $250k $4.68/$1k -- --
    $250,001 to $500,000 $1,170.00 $4.44/$1k $250k
    $500,001 to $1 million $2,280.00 $4.08/$1k $500k
    $1,000,001 to $5 million $4,320.00 $2.70/$1k $1 million
    $5 million+ $15,120.00 $2.52/$1k $5 million

    LENDER'S POLICY

    A lender's policy protects the mortgage holder (the institution that owns the mortgage). If there is a fault in title that results in a loss, the mortgage holder will be paid back.

    Standard coverage
    (minimum premium $168)

    Amount of Insurance Cost Factor Plus On Amount Over
    Up to $250k $2.90/$1k -- --
    $250,001 to $500,000 $726.00 $2.70/$1k $250k
    $500,001 to $1 million $1,400.00 $2.40/$1k $500k
    $1,000,001 to $5 million $2,600.00 $1.25/$1k $1 million
    $5 million+ $7,600.00 $1.10/$1k $5 million
    We offer an enhanced lender's title policy upon request.
    E-mail info@federaltitle.com to inquire.

    Note: When calculating the cost of a policy, please keep in mind we use a tiered rate. So if the purchase price is $600k and a standard owner's title policy is purchased, the cost is calculated by multiplying:

    250 x $3.90 = $975
    250 x $3.70 = $925
    100 x $3.40 = $340

    Total = $2,240
    + (Simultaneous Rate) $150
    Grand Total = $2,390

    Simultaneous issue transaction

    When an owner's policy and a loan policy are issued simultaneously, the rate applicable for the owner's policy shall be the regular owner's rate. In all cases the owner's policy shall be issued for the sale price of the property or, in the even there is no sale, the value of the premises.

    An additional $150 will be added to the premium whenever a simultaneous issue occurs. These rates are based on the First American Title Insurance Company "Eagle Policy." Quotes for other title insurance products are available upon request.

    Title insurance re-issue rate policy

    To qualify for a reissue rate, the borrower must provide the (seller's) current owner's title policy, which must be less than 10 years old. The reissue rate is based on the face amount (coverage) of the (seller's) current policy.

    However, if the buyer qualifies for the REAL Credit™ program, then we can only honor EITHER the re-issue rate or the REAL Credit™ – but not both.

    View refinance rates
  • Florida

    OWNER'S POLICY

    The owner's policy protects against a loss that may occur from a fault in your ownership or interest you have in the property. A title policy will protect the equity in your new home.

    Policy rates do not include the $25 simultaneous issue fee.

    Standard coverage
    (minimum premium $100)

    Amount of Insurance   Cost Factor   Plus   On Amount Over
    Up to $100k   $5.75/$1k   --   --
    $100,001 to $1 million   $575.00   $5.00/$1k   $100k
    $1 million+   Contact Us        

    Lender required endorsements

    Florida Form 9 Endorsement -- 10% of Owner’s plus Lender’s Policy Navigational Servitude Endorsement -- 10% of Owner’s plus Lender’s Policy Other Endorsements -- $25.00 per Endorsement

    Simultaneous issue transactions

    When an owner's policy and a loan policy are issued simultaneously, the rate applicable for the owner's policy shall be the regular owner's rate. In all cases the owner's policy shall be issued for the sale price of the property or, in the even there is no sale, the value of the premises. An additional $25.00 (FL) will be added to the premium whenever a simultaneous issue occurs.

    Re-issue rate policy

    To qualify for a reissue rate, the borrower must provide the (seller's) current owner's title policy which must be less than 10 (ten) years old. The reissue rate is based on the face amount (coverage) of the (seller's) current policy. However, if the buyer qualifies for the Real Credit Program then we can only honor EITHER the re-issue rate or the Real Credit, not both.

    In addition, the buyer is customarily responsible for deed recording fees, condominium search/approval fees, documentary stamp taxes on the note and the intangible tax on the mortgage. The seller is customarily responsible for fees due on documentary stamps on the deed. Federal Title & Escrow Company reserves the right to modify the fees listed above with reasonable advanced notice, however, such fees will not change during the course of a transaction unless required by law or our title insurance underwriter.

    View refinance rates