Title Insurance Calculator

About this calculator

Title insurance protects a homebuyer or lender against financial loss from defects in a property's title — undisclosed liens, forged signatures in the chain of ownership, or clerical errors in public records — that a title search failed to catch. Unlike most insurance, it's a one-time premium paid at closing rather than a recurring payment, typically calculated as a rate per $1,000 (or per $100) of the home's purchase price or loan amount, with rates set by state regulators or title insurance rating bureaus.

Homebuyers, mortgage lenders, real-estate attorneys, and title companies use this kind of premium estimate to budget for closing costs, since title insurance is required by virtually every mortgage lender in the US before a loan will fund.